[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025041416081703140":3,"related-JP2025041416081703140":34},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":17,"postTime":18,"viewTime":19,"sortNumber":20,"isFree":21,"isShowList":7,"isRecommend":21,"linkType":7,"isOriginal":6,"hasMiniUrl":21,"miniUrl":11,"miniScheme":11,"miniImage":11,"itemTag":11,"createBy":22,"updateBy":22,"createTime":23,"visitCount":24,"isLiked":21,"realSearch":25,"isRead":21,"productId":26,"isCollected":21,"collectCount":27,"vipExclusive":21,"allowComment":7,"style":28,"likeCount":29,"duration":21,"playStyle":7,"seoKeywords":11,"articleModuleVoList":30,"extendContentList":31,"noteCount":21,"categoryList":32,"dailyKeywordList":33},10,6855,"1",1,"JP2025041416081703140","1041018",3,"","应急准备金存多少？怎么存？一文讲透","https:\u002F\u002Fimage.jane7.com\u002F3375725c-d389-414b-8026-187a459f2892.png","https:\u002F\u002Fjane7-prod.oss-cn-hangzhou.aliyuncs.com\u002Fmanager\u002Farticle_default_img.png","常在河边走，也能不湿鞋","\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">大家好呀，我是简七编辑部的艾小白~\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">最近市场这番大动作，虽然账户难看了些，心情也不甚美丽，但也没啥大影响。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">不过，却让我意识到了\u003Cspan style=\"background-color: rgb(255, 218, 169);font-weight: bold;\">「应急准备金」\u003C\u002Fspan>的重要性。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">不知道你是否记得，咱们财富水池中的\u003Cspan style=\"line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;color: rgb(222, 120, 2);font-weight: bold;\">\u003Cstrong>\u003Cspan style=\"color: rgb(222, 120, 2);font-weight: bold;\">\u003Cspan style=\"color: rgb(0, 0, 0);\">现金池\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>，除了放着\u003Cstrong>日常开支\u003C\u002Fstrong>，还有一份\u003Cstrong>「应急准备金」\u003C\u002Fstrong>。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">我也知道，很多朋友都忽略了这一点。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">嗯......就比如几年前的我。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">当然，在打过几场「没准备的仗」后，现在我的财务安全意识已经是next level了。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">苟富贵，勿相忘。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">我这就把自己总结的经验分享给你～\u003C\u002Fp>\n\u003Csection>\n \u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F4708c66b-d713-4000-96bc-a9cc941ea7ab.jpg\">\n\u003C\u002Fsection>\n\u003Cp style=\"margin: 0px 16px 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;color: rgb(214, 168, 65);\">\u003Cstrong>01 为什么要准备应急资金？\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">巴菲特曾经在某一年的股东信中，提到一个家族传统：\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">「我祖父教导我父亲要\u003Cstrong>保持充足流动性\u003C\u002Fstrong>，这个教训被我父亲牢记，并传给了我。多年来，我们始终恪守这个原则——\u003Cstrong>永远保留足够现金，以应对可能突然出现的现金需求。\u003C\u002Fstrong>」\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">这种做法，也被巴菲特沿用在他的投资和生活中。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">伯克希尔公司始终保留大量现金及现金等价物，让他在金融危机期间无需依赖贷款或债券。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">他的儿女们成家时，他也会给每个人准备一笔「应急准备金」。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">所谓「应急准备金」，就是为应对\u003Cstrong>意料之外的「危险」\u003C\u002Fstrong>准备的一笔资金。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">比如突然失业、家人生病\u003Cspan style=\"color:#646a73;\">（建议配上四大必备保险）\u003C\u002Fspan>、汽车坏了......\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">这些我们日常生活中不常发生的，且难以预料的事情，一旦发生，就不是一笔小钱就能解决的。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">有些人可能会因此背上沉重的债务，生活水平直线下降，一夜之间一无所有，也离「财富自由」越来越远。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">但如果我们有这样一笔「应急准备金」，我们就可以在意外发生时拿出来，从容应对。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">即使仍需要借钱、贷款，负担也会小很多。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">当然，可能会有朋友问，车子、大病这些意外，\u003Cstrong>我们已经买了相应的保险，还需要备这一笔「应急准备金」吗\u003C\u002Fstrong>？\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">答案是，\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>需要\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>。\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">应急准备金，重点在「应急」二字，可以随时拿出来用，追求一个「效率」。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">而保险往往是事后保障，先花钱，后赔付，远水解不了近渴。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">所以，「应急准备金」能让我们的财务更有「韧劲」，不会轻易断裂。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">手中有「粮」，心中不慌。\u003C\u002Fp>\n\u003Csection>\n \u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F18f374f6-f0f3-497b-bcdc-fd54f9f82dec.jpg\">\n\u003C\u002Fsection>\n\u003Cp style=\"margin: 0px 16px 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;color: rgb(214, 168, 65);\">\u003Cstrong>02 应急准备金，多少才够？\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">需要准备多少准备金，因人而异。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">如果你之前经历过危机，心中有数，按自己所需准备就好。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">如果你没有任何概念，给你提供两种思考方式——\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">第一种方法，先参考我们的建议，后面在慢慢调整。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cstrong>最低准备3-6个月的日常生活开支\u003C\u002Fstrong>，具体来说——\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">3个月的日常开支适合：已婚且双方都有稳定收入这类收入稳定的朋友；\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">6个月的日常开始适合：已婚但家庭只有一份收入、自由职业、收入不稳定、家人患有慢性病等存在这样那样的风险的朋友。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">第二种方法，\u003Cstrong>假设自己遇到了某种意外\u003C\u002Fstrong>，想象一下，自己需要多少钱支撑日常生活。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">比如，突然被公司被刺，不幸失业，你需要多久找到一份新的满意的工作，在这期间，大概需要多少钱？\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">再比如，生了一场大病，需要在家休养一段时间，这期间需要多少钱？\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">可以多假设几种情况，综合一下确定自己的「应急准备金」。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">总而言之，不管是什么方法，一般来说，「应急准备金」都是根据自己的生活状态，和未来可能面临的风险大小，准备足够保护自己不会陷入债务泥潭的金额，给足自己安全感最重要。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">无论是3个月、6个月，还是12个月，都可以。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">不过，特殊情况要特殊考虑。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);\">-\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);\">假如你现在是负债状态\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">我们优先考虑的是摆脱债务，从自己的收入中划出足够日常生活的钱，剩下的时间、精力、金钱都放在还债上。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">等无债一身轻后，再慢慢把应急准备金攒起来。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);\">-\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);\">退休的朋友\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">已经退休的朋友，相比年轻人，面临的风险会更大一些——\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">没有了收入来源\u003Cspan style=\"color:#646a73;\">（大概率）\u003C\u002Fspan>，生活依靠存款和退休金；\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">身体状态生病的风险更大；\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">......\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">「应急准备金」便要多一些，比如\u003Cspan style=\"font-weight: bold;\">2年、3年的日常开支也不为过\u003C\u002Fspan>。\u003C\u002Fp>\n\u003Csection>\n \u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Feacbfc2b-a1af-4fa8-a91f-3462640ac7fb.jpg\">\n\u003C\u002Fsection>\n\u003Cp style=\"margin: 0 16px 16px 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;color: #d6a841;margin-top:0;margin-bottom:0;\">\u003Cstrong>03 放在哪里？何时使用？\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">对我们来说，「应急准备金」最重要的是要具备\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>高流动性\u003C\u002Fstrong>\u003C\u002Fspan>，能够随取随用，赚钱并不是重点。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">以及，为避免和日常生活的资金混在一起，最好单独为「应急准备金」准备一个家。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">据此，给你推荐两个比较好的选择——\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color: rgb(214, 168, 65);font-weight: bold;\">1-银行活期理财\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">单独准备一张银行卡，存放「应急准备金」。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">选择活期理财时，要注意——\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;border-left: 2px solid #bbbfc4;color:#646A73;margin-inline-start: 16px;\">\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-size: 14px;\">可随时取出，实时到账，或可直接用于支付；\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-size: 14px;\">注意取出额度，最小的只有1万，多的高达百万，选择额度大的，避免用钱时被额度掣肘。\u003C\u002Fp>\n\u003C\u002Fblockquote>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">比如招商银行的朝朝宝。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan style=\"color: rgb(214, 168, 65);font-weight: bold;\">2-支付宝小荷包\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">小荷包可以帮我们分类管钱，专款专用，很适合存放「应急准备金」。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">而且，小荷包可以直接支付，且享有余额宝收益，赚钱花钱两不误。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">但要注意一点——\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cstrong>支付宝的支付顺序，最好将小荷包放在最末位，且要保证其他支付方式不会出现没钱的情况。\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">安顿好这笔钱后，我们再来解决下一个问题：什么时候才能动用这笔钱？\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">咱们先看一个例子——\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">朋友突然邀请你去旅游，但你手里的闲钱不够，是否可以动用这笔「应急准备金」？\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">答案是，\u003Cspan style=\"font-weight: bold;\">不能动用。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">这种情况，我们可以通过调整自己的日常支出来解决，比如把打算买鞋买衣服的钱拿过来旅游，推迟购买计划；或者如果实在钱不够，也可以拒绝。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">而「应急准备金」，在动用之前，可以问自己三个问题——\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;border-left: 2px solid #bbbfc4;color:#646A73;margin-inline-start: 16px;\">\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-size: 14px;\">是紧急情况吗？\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-size: 14px;\">是必要的吗？\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-size: 14px;\">是意外情况吗？\u003C\u002Fp>\n\u003C\u002Fblockquote>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">如果答案全部是「是」，那就可以动用了。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">另外，\u003Cstrong>用后记得及时补充。\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">这笔「应急准备金」，虽然金额算不上多大，但是备好了，你的安全感会越来越足，破产、债务会离你越来越远，也会给自己带来更多好运气。\u003C\u002Fp>\n\u003Csection>\n \u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F9a44793d-74fe-47f7-b82f-d285e8aae8da.jpg\">\n\u003C\u002Fsection>\n\u003Cp style=\"margin: 0px 16px 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;color: rgb(214, 168, 65);\">\u003Cstrong>04 如何准备？\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">这笔钱虽然不算多，但对很多朋友来说，也不是一下子就能准备好的，我给你准备了一份\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>「应急准备金计划」\u003C\u002Fstrong>\u003C\u002Fspan>——\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">Step 1: 想清楚自己\u003Cspan style=\"font-weight: bold;\">为什么要存这笔钱\u003C\u002Fspan>，更容易坚持下去，否则容易半途而废。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">Step 2: 了解自己每月的\u003Cspan style=\"font-weight: bold;\">总收入\u003C\u002Fspan>，包括工资、副业、房租等各项收入。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">Step 3: 分析至少半年的历史账单，计算\u003Cspan style=\"font-weight: bold;\">每月平均支出\u003C\u002Fspan>。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">Step 4: 计算\u003Cspan style=\"font-weight: bold;\">「应急准备金」 \u003C\u002Fspan>= 每月平均支出 × 你选择的月份数。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">Step 5: 给「应急准备金」选好家，\u003Cspan style=\"font-weight: bold;\">建立专属账户\u003C\u002Fspan>。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">Step 6: 根据自己每月的收入和支出，\u003Cspan style=\"font-weight: bold;\">规划每月转入「应急准备金」的钱\u003C\u002Fspan>，最好\u003Cspan style=\"font-weight: bold;\">设置自动转账\u003C\u002Fspan>，每月收入一到账，直接自动转入「应急准备金」账户。\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">以及鉴于这笔钱的重要性，建议在自己的能力范围内，尽可能快的储蓄好这笔钱，早日让安全感拉满。\u003C\u002Fp>\n\u003Cp style=\"display: none;\">\u003C\u002Fp>","\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">大家好呀，我是简七编辑部的艾小白~\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">最近市场这番大动作，虽然账户难看了些，心情也不甚美丽，但也没啥大影响。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">不过，却让我意识到了\u003Cspan style=\"background-color: rgb(255, 218, 169); font-weight: bold;\">「应急准备金」\u003C\u002Fspan>的重要性。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">不知道你是否记得，咱们财富水池中的\u003Cspan style=\"line-height: 2em; visibility: visible; color: rgb(222, 120, 2); font-weight: bold;\">\u003Cstrong>\u003Cspan style=\"color: rgb(0, 0, 0);\">现金池\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>，除了放着\u003Cstrong>日常开支\u003C\u002Fstrong>，还有一份\u003Cstrong>「应急准备金」\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">我也知道，很多朋友都忽略了这一点。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">嗯......就比如几年前的我。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">当然，在打过几场「没准备的仗」后，现在我的财务安全意识已经是next level了。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">苟富贵，勿相忘。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">我这就把自己总结的经验分享给你～\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLEia5ic8QHCicVaPxAQIwWMD3dGJrGvaTBfDNdc6kEpLSpibYL5Ar9ibyDWVx6etCcbiaYicMiabUNJa5dCXA\u002F640?from=appmsg\"\u002F>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px 16px; text-wrap-mode: wrap; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; text-align: center; color: rgb(214, 168, 65);\">\u003Cstrong>01 为什么要准备应急资金？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">巴菲特曾经在某一年的股东信中，提到一个家族传统：\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">「我祖父教导我父亲要\u003Cstrong>保持充足流动性\u003C\u002Fstrong>，这个教训被我父亲牢记，并传给了我。多年来，我们始终恪守这个原则——\u003Cstrong>永远保留足够现金，以应对可能突然出现的现金需求。\u003C\u002Fstrong>」\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">这种做法，也被巴菲特沿用在他的投资和生活中。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">伯克希尔公司始终保留大量现金及现金等价物，让他在金融危机期间无需依赖贷款或债券。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">他的儿女们成家时，他也会给每个人准备一笔「应急准备金」。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">所谓「应急准备金」，就是为应对\u003Cstrong>意料之外的「危险」\u003C\u002Fstrong>准备的一笔资金。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">比如突然失业、家人生病\u003Cspan style=\"color: rgb(100, 106, 115);\">（建议配上四大必备保险）\u003C\u002Fspan>、汽车坏了......\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">这些我们日常生活中不常发生的，且难以预料的事情，一旦发生，就不是一笔小钱就能解决的。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">有些人可能会因此背上沉重的债务，生活水平直线下降，一夜之间一无所有，也离「财富自由」越来越远。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">但如果我们有这样一笔「应急准备金」，我们就可以在意外发生时拿出来，从容应对。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">即使仍需要借钱、贷款，负担也会小很多。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">当然，可能会有朋友问，车子、大病这些意外，\u003Cstrong>我们已经买了相应的保险，还需要备这一笔「应急准备金」吗\u003C\u002Fstrong>？\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">答案是，\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>需要\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">应急准备金，重点在「应急」二字，可以随时拿出来用，追求一个「效率」。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">而保险往往是事后保障，先花钱，后赔付，远水解不了近渴。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">所以，「应急准备金」能让我们的财务更有「韧劲」，不会轻易断裂。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">手中有「粮」，心中不慌。\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLEia5ic8QHCicVaPxAQIwWMD3dGJrGvaTBfDNdc6kEpLSpibYL5Ar9ibyDWVx6etCcbiaYicMiabUNJa5dCXA\u002F640?from=appmsg\"\u002F>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px 16px; text-wrap-mode: wrap; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; text-align: center; color: rgb(214, 168, 65);\">\u003Cstrong>02 应急准备金，多少才够？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">需要准备多少准备金，因人而异。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">如果你之前经历过危机，心中有数，按自己所需准备就好。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">如果你没有任何概念，给你提供两种思考方式——\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">第一种方法，先参考我们的建议，后面在慢慢调整。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cstrong>最低准备3-6个月的日常生活开支\u003C\u002Fstrong>，具体来说——\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">3个月的日常开支适合：已婚且双方都有稳定收入这类收入稳定的朋友；\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">6个月的日常开始适合：已婚但家庭只有一份收入、自由职业、收入不稳定、家人患有慢性病等存在这样那样的风险的朋友。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">第二种方法，\u003Cstrong>假设自己遇到了某种意外\u003C\u002Fstrong>，想象一下，自己需要多少钱支撑日常生活。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">比如，突然被公司被刺，不幸失业，你需要多久找到一份新的满意的工作，在这期间，大概需要多少钱？\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">再比如，生了一场大病，需要在家休养一段时间，这期间需要多少钱？\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">可以多假设几种情况，综合一下确定自己的「应急准备金」。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">总而言之，不管是什么方法，一般来说，「应急准备金」都是根据自己的生活状态，和未来可能面临的风险大小，准备足够保护自己不会陷入债务泥潭的金额，给足自己安全感最重要。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">无论是3个月、6个月，还是12个月，都可以。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">不过，特殊情况要特殊考虑。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);\">-\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);\">假如你现在是负债状态\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">我们优先考虑的是摆脱债务，从自己的收入中划出足够日常生活的钱，剩下的时间、精力、金钱都放在还债上。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">等无债一身轻后，再慢慢把应急准备金攒起来。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);\">-\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);\">退休的朋友\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">已经退休的朋友，相比年轻人，面临的风险会更大一些——\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">没有了收入来源\u003Cspan style=\"color: rgb(100, 106, 115);\">（大概率）\u003C\u002Fspan>，生活依靠存款和退休金；\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">身体状态生病的风险更大；\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">......\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">「应急准备金」便要多一些，比如\u003Cspan style=\"font-weight: bold;\">2年、3年的日常开支也不为过\u003C\u002Fspan>。\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLEia5ic8QHCicVaPxAQIwWMD3dGJrGvaTBfDNdc6kEpLSpibYL5Ar9ibyDWVx6etCcbiaYicMiabUNJa5dCXA\u002F640?from=appmsg\"\u002F>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; text-align: center; color: rgb(214, 168, 65);\">\u003Cstrong>03 放在哪里？何时使用？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">对我们来说，「应急准备金」最重要的是要具备\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>高流动性\u003C\u002Fstrong>\u003C\u002Fspan>，能够随取随用，赚钱并不是重点。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">以及，为避免和日常生活的资金混在一起，最好单独为「应急准备金」准备一个家。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">据此，给你推荐两个比较好的选择——\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cspan style=\"color: rgb(214, 168, 65); font-weight: bold;\">1-银行活期理财\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">单独准备一张银行卡，存放「应急准备金」。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">选择活期理财时，要注意——\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cblockquote style=\"text-wrap-mode: wrap; margin-right: 16px; margin-left: 16px; line-height: 2em; border-left: 2px solid rgb(187, 191, 196); color: rgb(100, 106, 115); margin-inline-start: 16px;\">\u003Cp style=\"margin: 0px 16px; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; font-size: 14px;\">可随时取出，实时到账，或可直接用于支付；\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; font-size: 14px;\">注意取出额度，最小的只有1万，多的高达百万，选择额度大的，避免用钱时被额度掣肘。\u003C\u002Fp>\u003C\u002Fblockquote>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">比如招商银行的朝朝宝。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cspan style=\"color: rgb(214, 168, 65); font-weight: bold;\">2-支付宝小荷包\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">小荷包可以帮我们分类管钱，专款专用，很适合存放「应急准备金」。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">而且，小荷包可以直接支付，且享有余额宝收益，赚钱花钱两不误。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">但要注意一点——\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cstrong>支付宝的支付顺序，最好将小荷包放在最末位，且要保证其他支付方式不会出现没钱的情况。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">安顿好这笔钱后，我们再来解决下一个问题：什么时候才能动用这笔钱？\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">咱们先看一个例子——\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">朋友突然邀请你去旅游，但你手里的闲钱不够，是否可以动用这笔「应急准备金」？\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">答案是，\u003Cspan style=\"font-weight: bold;\">不能动用。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">这种情况，我们可以通过调整自己的日常支出来解决，比如把打算买鞋买衣服的钱拿过来旅游，推迟购买计划；或者如果实在钱不够，也可以拒绝。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">而「应急准备金」，在动用之前，可以问自己三个问题——\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cblockquote style=\"text-wrap-mode: wrap; margin-right: 16px; margin-left: 16px; line-height: 2em; border-left: 2px solid rgb(187, 191, 196); color: rgb(100, 106, 115); margin-inline-start: 16px;\">\u003Cp style=\"margin: 0px 16px; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; font-size: 14px;\">是紧急情况吗？\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; font-size: 14px;\">是必要的吗？\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; font-size: 14px;\">是意外情况吗？\u003C\u002Fp>\u003C\u002Fblockquote>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">如果答案全部是「是」，那就可以动用了。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">另外，\u003Cstrong>用后记得及时补充。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">这笔「应急准备金」，虽然金额算不上多大，但是备好了，你的安全感会越来越足，破产、债务会离你越来越远，也会给自己带来更多好运气。\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLEia5ic8QHCicVaPxAQIwWMD3dGJrGvaTBfDNdc6kEpLSpibYL5Ar9ibyDWVx6etCcbiaYicMiabUNJa5dCXA\u002F640?from=appmsg\"\u002F>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px 16px; text-wrap-mode: wrap; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; text-align: center; color: rgb(214, 168, 65);\">\u003Cstrong>04 如何准备？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">这笔钱虽然不算多，但对很多朋友来说，也不是一下子就能准备好的，我给你准备了一份\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>「应急准备金计划」\u003C\u002Fstrong>\u003C\u002Fspan>——\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">Step 1: 想清楚自己\u003Cspan style=\"font-weight: bold;\">为什么要存这笔钱\u003C\u002Fspan>，更容易坚持下去，否则容易半途而废。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">Step 2: 了解自己每月的\u003Cspan style=\"font-weight: bold;\">总收入\u003C\u002Fspan>，包括工资、副业、房租等各项收入。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">Step 3: 分析至少半年的历史账单，计算\u003Cspan style=\"font-weight: bold;\">每月平均支出\u003C\u002Fspan>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">Step 4: 计算\u003Cspan style=\"font-weight: bold;\">「应急准备金」 \u003C\u002Fspan>= 每月平均支出 × 你选择的月份数。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">Step 5: 给「应急准备金」选好家，\u003Cspan style=\"font-weight: bold;\">建立专属账户\u003C\u002Fspan>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">Step 6: 根据自己每月的收入和支出，\u003Cspan style=\"font-weight: bold;\">规划每月转入「应急准备金」的钱\u003C\u002Fspan>，最好\u003Cspan style=\"font-weight: bold;\">设置自动转账\u003C\u002Fspan>，每月收入一到账，直接自动转入「应急准备金」账户。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; line-height: 2em; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;\">以及鉴于这笔钱的重要性，建议在自己的能力范围内，尽可能快的储蓄好这笔钱，早日让安全感拉满。\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>","2025-04-15 06:25:00","2025-04-14 16:08:15",100,0,"liuweixin@jane7.com","2025-04-14 16:08:17",111,false,16913,5,"1038002",6,[],[],[],[],[]]