时间：2022-10-09 04:34:27
You don’t have to own the company or be a CEO. Here’s how to build a rich nest egg one paycheck at a time.
你不必拥有自己的公司或者当一名CEO，这里将告诉你如何挖掘你的第一桐金。
A number of the people profiled in “Millionaires tell how they did it” made their millions as entrepreneurs. But working for the Man doesn’t mean you have to be a wage slave or resort to buying lottery tickets to strike it rich. The trick is to maximize your income on the job (and know when to move on), make the most of your employee benefits and tax breaks and use that extra money to start investing.
1.Keep your eyes peeled for better ways to do your job.密切关注做好你工作的更好方法。 Streamline a procedure, shave costs, create a new profit center, become an expert on a specific topic, volunteer for a company committee―anything that will make you stand out as a prime candidate for a promotion or a pay boost.
2.Don’t be afraid to negotiate.不要对谈判感到畏惧。 In a study of master’s degree graduates from her university, Carnegie Mellon economics professor Linda Babcock found that those who negotiated their first salary boosted their pay by 7.4% compared with those who didn’t bargain.
3.Get your ducks in a row and your numbers on paper.把你喜爱的东西列出来，把你的各种数字写在纸上。 If possible, quantify how much your efforts add to the company’s bottom line. If that’s not feasible, spotlight your value with comparable salaries for workers in your position from a Web site, such as , or from a professional association.
4.Plot your strategy when it’s time to move on.当行动的时候到来，安排好你的策略。 Create a professional-looking page on MySpace that tells prospective employers why you’re an exceptional candidate, recommends John Challenger of the outplacement firm Challenger, Gray & Christmas. And don’t neglect more conventional networking: Join a professional association or show up at school reunions toting business cards.
Milk your benefits最大程度受益
5.Contribute as much as you can to your 401(k) and other tax-deferred retirement plans.向你的401（k）以及其他可能推迟退休计划的税收款项上，尽可能多的捐款。You’ll not only build a bigger nest egg, but you’ll also cut your tax bill. In the 25% federal tax bracket, every $1,000 you contribute to a 401(k) trims your taxes by $250. And you’ll save on state income taxes, too.
6.Flex your tax-saving muscle.放松一心想减少交税的神经。 Contribute pretax dollars to a flexible spending account to pay for dependent care or out-of-pocket medical expenses. If you set aside $1,500 per year and you’re in the 25% bracket, avoiding federal income and Social Security taxes means Uncle Sam will subsidize almost $500 of your expenses.
7.Review your tax withholding.记住你的应缴税款。If you’re expecting a refund this spring, you’re having too much tax withheld from your paycheck―and making an interest-free loan to Uncle Sam. That’s no way to become a millionaire. Put more money in your pocket by using Kiplinger’s withholding calculator and then filling out a new Form W-4.
8.Stash savings in a Roth IRA if you’re eligible.如果符合条件，尽量将积蓄存在个人退休帐户上。Withdrawals in retirement, including decades of compounded earnings, will be tax-free. This year, income-eligibility limits for a Roth increase to $114,000 for individuals and $166,000 for married couples.
Invest like crazy勇于投资
9.Don’t delay.不犹豫不决。 The quicker you get a jump on putting money aside, the easier it will be to stuff a seven-figure cushion. If you start at age 25, for example, investing $286 per month will get you $1 million by age 65, assuming you earn 8% annually.
10.Invest automatically, either through your employer’s retirement plan or by setting up a regular deposit to a mutual fund or broker. 主动投资观念。通过你所享受的退休计划进行投资，或者在互惠基金及经纪人处开办一个定期存款。You’ll never miss the money, and you’ll avoid two big mistakes: buying too much when stock prices are high and not buying at all when prices fall.
11.Watch for fund fees.关注你的资金额。 The more you pay, the tougher it is to earn an above-average return. The typical hedge fund, for example, takes 20% of any gains, a huge hurdle to overcome. A better bet: no-load mutual funds with expense ratios of 1% or less. If you trade individual stocks, watch those commissions.
12.Keep it simple.将它简单化。 Be wary of get-rich-quick schemes or sales pitches for complex investments, such as oil-and-gas partnerships, that trade on the millionaire cachet to lure investors into buying high-fee products they don’t understand. Most millionaire households accumulate their wealth over the long term by sticking to a regular investing plan in a balanced portfolio.