{"id":1828,"date":"2012-09-20T16:53:00","date_gmt":"2012-09-20T08:53:00","guid":{"rendered":"https:\/\/blog.17rich.com\/?p=1828"},"modified":"2023-03-13T17:16:43","modified_gmt":"2023-03-13T09:16:43","slug":"prepare-enough-emergency-fund","status":"publish","type":"post","link":"https:\/\/blog.17rich.com\/prepare-enough-emergency-fund\/","title":{"rendered":"\u7dca\u6025\u9810\u5099\u91d1\u6e96\u5099\u591a\u5c11\u624d\u5920\uff1f"},"content":{"rendered":"<p>\u300c\u554a\uff01\u9322\u4e0d\u5920\u4e86\uff0c\u6211\u53bb\u9818\u4e00\u4e0b\u9322\u3002\u300d\u5927\u5bb6\u591a\u5c11\u90fd\u6709\u9019\u6a23\u7684\u7d93\u9a57\uff0c\u81e8\u6642\u76ae\u5305\u88e1\u7684\u9322\u4e0d\u5920\uff0c\u53ea\u80fd\u4e09\u6b65\u7576\u4e8c\u6b65\u5feb\u99ac\u52a0\u97ad\u7684\u885d\u53bb\u9644\u8fd1ATM\u9818\u9322\u3002\u5c0f\u9322\u9084\u53ef\u4ee5\u5f9eATM\u6a94\u4e00\u4e0b\uff0c\u4e0d\u904e\u7576\u7dca\u6025\u9810\u5099\u91d1\u8981\u7528\u537b\u4e0d\u5920\u6642\u5c31\u6c92\u600e\u9ebc\u7c21\u55ae\uff0c\u4e0d\u662f\u8981\u62ff\u5176\u5b83\u5e33\u6236\u7684\u5b58\u6b3e\u4f86\u88dc\uff0c\u5c31\u662f\u8981\u8ddf\u5bb6\u4eba\u3001\u670b\u53cb\u6216\u662f\u4e00\u76f4\u628a\u6211\u5011\u53e3\u888b\u7576\u5bb6\u4eba\u770b\u7684\u9280\u884c\u8cb8\u6b3e\u8abf\u982d\u5bf8\u3002\u70ba\u4e86\u964d\u4f4e\u9019\u7a2e\u4e8b\u60c5\u7684\u767c\u751f\uff0c\u6211\u5011\u61c9\u8a72\u5b9a\u671f\u6aa2\u8996\u81ea\u5df1\u7684\u9810\u5099\u91d1\u5920\u4e0d\u5920\u3002<!--more--><\/p>\n<p>\u4e0a\u7db2\u8defgoogle\u300c<a href=\"https:\/\/blog.17rich.com\/the-importance-of-an-emergency-fund.html\" target=\"_blank\" rel=\"noopener\">\u7dca\u6025\u9810\u5099\u91d1<\/a>\u8981\u6e96\u5099\u591a\u5c11\u300d\u9019\u985e\u554f\u984c\u6703\u767c\u73fe\uff0c\u5927\u591a\u6578\u5f97\u5230\u7684\u7b54\u6848\u90fd\u662f3\u81f36\u500b\u6708\u3002\u4e0d\u904e\u9032\u4e00\u6b65\u601d\u7d22\uff1a\u96e3\u5230\uff0c\u6bcf\u500b\u4eba\u90fd\u6e96\u50996\u500b\u6708\u5c31\u597d\u4e86\u55ce\uff1f\u9019\u500b\u554f\u984c\u66fe\u7d93\u4e5f\u8b93\u6211\u61f7\u7591\uff0c\u70ba\u4ec0\u9ebc\u4e0d\u662f8\u500b\u6708\uff1f\u621612\u500b\u6708\uff1f\u6709\u6c92\u6709\u53ef\u80fd\u56e0\u70ba\u5de5\u4f5c\u6027\u8cea\u4e0d\u540c\u6216\u662f\u5bb6\u5ead\u4eba\u6578\u800c\u8981\u6e96\u5099\u591a\u4e00\u4e9b\uff1f\u4e0d\u7136\u7dca\u6025\u4e8b\u4ef6\u767c\u751f\u6642\u9322\u4e0d\u5920\u7528\u9084\u662f\u5fc5\u9808\u6316\u7246\u4f86\u88dc\uff0c\u4e5f\u5931\u53bb<a href=\"https:\/\/blog.17rich.com\/the-importance-of-an-emergency-fund.html\" target=\"_blank\" rel=\"noopener\">\u9810\u5099\u91d1\u6700\u91cd\u8981\u7684\u610f\u7fa9<\/a>\u3002\u5f9e\u53e6\u4e00\u500b\u89d2\u5ea6\u60f3\uff0c\u4fdd\u96aa\u516c\u53f8\u5728\u8a08\u7b97\u4e00\u500b\u4eba\u7684\u4fdd\u96aa\u8cbb\u7528\u6642\uff0c\u4e0d\u4e5f\u6703\u4f9d\u7167\u500b\u4eba\u60c5\u6cc1\u800c\u5b9a\u51fa\u4e0d\u540c\u7684\u4fdd\u8cbb\uff1f<\/p>\n<p>\u9019\u500b\u554f\u984c\u5728\u6211\u525b\u958b\u59cb\u63a5\u89f8\u7406\u8ca1\u6642\u5c31\u66fe\u601d\u8003\uff0c\u4e0d\u904e\u90a3\u4e9b\u5e74\u5c0d\u65bc\u7368\u7acb\u5224\u65b7\u8cc7\u8a0a\u7684\u80fd\u529b\u5c1a\u4e0d\u8db3\uff0c\u6642\u9593\u4e00\u4e45\u4f3c\u4e4e\u6e96\u50996\u500b\u6708\u7684\u7dca\u6025\u9810\u5099\u91d1\u5c31\u8b8a\u6210\u7406\u6240\u7576\u7136\uff0c\u9019\u554f\u984c\u4e5f\u5c31\u6f38\u6f38\u88ab\u6211\u907a\u68c4\u5728\u5927\u8166\u7684\u89d2\u843d\u3002\u76f4\u5230\u6709\u6b21\u7d66\u670b\u53cb\u7406\u8ca1\u5efa\u8b70\u6642\uff0c\u5c0d\u65b9\u554f\u4e86\u6211\u985e\u4f3c\u7684\u554f\u984c\uff1a\u300c\u6e96\u50996\u500b\u6708\u5920\u55ce\uff1f\u300d\u7576\u4e0b\u8b93\u6211\u98a8\u96aa\u610f\u8b58\u62c9\u8b66\u5831\uff0c\u9664\u4e86\u91cd\u65b0\u8b93\u9019\u554f\u984c\u518d\u5ea6\u6d6e\u73fe\u5916\uff0c\u5fc3\u60f3\u5982\u679c\u767c\u751f\u4e8b\u60c5\u6642\u9019\u9053\u7246\u771f\u7684\u4e0d\u5920\u9ad8\u5920\u8a72\u600e\u9ebc\u8fa6\uff1f\u6211\u7684\u53e3\u888b\u4e0d\u60f3\u8ddf\u9280\u884c\u505a\u5bb6\u4eba\u5440~\uff08\u8166\u4e2d\u518d\u5ea6\u97ff\u8d77We are family~)<\/p>\n<p>\u5728\u6211\u8a8d\u771f\u7684\u9762\u5c0d\u9019\u500b\u554f\u984c\u5f8c\uff0c\u7d42\u65bc\u627e\u5230\u6bd4\u8f03\u6709\u6839\u64da\u7684\u7b54\u6848\u3002\u6703\u5f97\u51fa3~6\u500b\u6708\u9019\u500b\u6578\u503c\uff0c\u8ddf\u4e00\u822c\u8a8d\u77e5\u7dca\u6025\u9810\u5099\u91d1\u7684\u529f\u80fd\u76f8\u540c\uff0c\u5c31\u662f\u70ba\u4e86\u6490\u904e\u6c92\u6709\u5de5\u4f5c\u6536\u5165\u7684\u65e5\u5b50\u3002<strong>\u4e0d\u904e\u9019\u4e5f\u8868\u793a\u5982\u679c\u6c38\u9060\u53ea\u77e5\u9053\u8981\u6e96\u50996\u500b\u6708\u9810\u5099\u91d1\u7684\u8a71\uff0c\u90a3\u9ebc\u83ab\u975e\u5b9a\u5f8b\u7684\u98a8\u96aa\u4f9d\u820a\u5b58\u5728\u3002<\/strong><\/p>\n<div>\n<p><img decoding=\"async\" title=\"\u7dca\u6025\u9810\u5099\u91d1\u4e0d\u8db3\" src=\"https:\/\/lh6.googleusercontent.com\/-CCfjnOxTIJs\/UFq_VaoyXPI\/AAAAAAAABFg\/DnSSByil374\/s500\/\u7dca\u6025\u9810\u5099\u91d1\u4e0d\u8db3.jpg\" alt=\"\" width=\"400\" height=\"279\" \/><\/p>\n<div style=\"margin: 0px 0px 20px; width: 400px; clear: both; font-size: 0.8em;\"><strong><span style=\"color: #a5a5a5;\">(\u4e0b\u96e8\u5929\u6490\u5098\u8981\u5920\u5927\u624d\u4e0d\u6703\u6dcb\u6ebc\u8eab\u9ad4\uff0cimagevia\u00a0<\/span><\/strong><a style=\"text-decoration: none; color: #0063dc; font-family: Arial, Helvetica, sans-serif; line-height: 18px; background-color: #fefefe;\" href=\"http:\/\/www.flickr.com\/photos\/aigle_dore\/\" rel=\"nofollow noopener\" target=\"_blank\">Moyan_Brenn<\/a><strong style=\"font-size: 0.8em;\"><span style=\"color: #a5a5a5;\">)<\/span><\/strong><\/div>\n<\/div>\n<h2>\u9810\u5099\u91d1\u6e96\u50996\u500b\u6708\u7684\u539f\u56e0<\/h2>\n<p>\u8eab\u70ba\u7ae5\u5e74\u5728\u8001\u7238\u5e38\u76ef\u5be7\u300c\u6578\u5b78\u5f88\u91cd\u8981\u300d\u74b0\u5883\u4e0b\u9577\u5927\u7684\u6211\uff0c\u5c0d\u65bc\u6578\u5b57\u7d71\u8a08\u7e3d\u6709\u83ab\u540d\u7684\u559c\u597d\uff0c\u9019\u6b21\u8981\u627e\u51fa\u9810\u5099\u91d1\u70ba\u4f55\u662f6\u500b\u6708\u4e5f\u4e0d\u4f8b\u5916\u3002<a href=\"http:\/\/ebas1.ebas.gov.tw\/pxweb\/Dialog\/..%5CDialog%5Cvarval.asp?ma=LM0110A1M&amp;ti=%A5%A2%B7~%AA%CC%A5%AD%A7%A1%A5%A2%B7~%B6g%BC%C6-%A4%EB&amp;path=..\/PXfile\/LaborForce\/&amp;lang=9&amp;strList=L\" target=\"_blank\" rel=\"noopener nofollow\">\u6839\u64da\u7d71\u8a08<\/a>\uff0c\u904e\u53bb10\u5e74\u4f86\u5931\u696d\u5f8c\u8981\u627e\u5230\u4e0b\u4efd\u5de5\u4f5c\u5e73\u5747\u6642\u9593\u5c31\u7d04\u572827\u5468\u5de6\u53f3\uff0c\u63db\u7b97\u6210\u6708\u4efd\u7684\u8a71\u5c31\u662f6\u500b\u6708\u3002\u4e0b\u8868\u6574\u7406\u8fd11\u30013\u30015\u300110\u5e74\u9593\u7684\u5931\u696d\u8005\u8981\u627e\u5230\u4e0b\u4efd\u5de5\u4f5c\u7684\u5e73\u5747\u6642\u9593\u8868\uff0c\u7531\u8868\u4e2d\u9084\u53ef\u77e5\u96a8\u8457\u6c42\u8077\u8005\u5e74\u7d00\u6108\u5927\u627e\u5230\u4e0b\u4efd\u5de5\u4f5c\u7684\u6642\u9593\u4e5f\u6108\u9577\uff0c\u96d6\u7136\u5e74\u7d00\u6108\u5927\u627e\u5de5\u4f5c\u6108\u4e0d\u5bb9\u6613\u7b26\u5408\u9810\u671f\uff0c\u4f46\u4e00\u76f4\u4ee5\u4f86\u5c31\u6709\u521d\u8001\u9ad4\u8cea\u7684\u6211\uff0c\u770b\u5230\u9019\u8b49\u64da\u9084\u662f\u7d66\u4e86\u6211\u4e0d\u5c0f\u7684\u8b66\u60d5\u3002\u53e6\u5916\u6211\u5011\u9084\u53ef\u4ee5\u89c0\u5bdf\u5230\uff0c\u8fd13\u5e74\u56e0\u70ba\u5927\u74b0\u5883\u4e0d\u4f73\u6240\u4ee5\u6c42\u8077\u8981\u82b1\u7684\u6642\u9593\u4e5f\u4e0a\u5347\u8a31\u591a\u3002\uff08\u2192\u6ce8\u610f\u9019\u662f\u5e73\u5747\u503c\uff0c\u6240\u4ee5\u5e73\u5747\u4e0a\u5347\u4e00\u9031\u4ee3\u8868\u6709\u4e9b\u4eba\u53ef\u80fd\u8981\u591a\u82b1\u4e00\u500b\u6708\u7684\u6642\u9593\uff09<\/p>\n<p><img decoding=\"async\" style=\"margin: 0px auto 10px; display: block; float: none;\" src=\"https:\/\/lh4.googleusercontent.com\/-AKohpvbB28c\/UFA-6tn5kmI\/AAAAAAAABCs\/rf7H4CdFrt8\/s415\/%25E5%25A4%25B1%25E6%25A5%25AD%25E8%2580%2585%25E5%25B9%25B3%25E5%259D%2587%25E5%25A4%25B1%25E6%25A5%25AD%25E9%2580%25B1%25E6%2595%25B8.jpg\" \/><\/p>\n<p>\u6709\u4e86\u9019\u500b\u53c3\u8003\u6027\u8cea\u8f03\u9ad8\u7684\u6578\u64da\u5f8c\uff0c\u6211\u5011\u53ef\u4ee5\u77e5\u9053\u78b0\u5230\u4ee5\u4e0b\u5e7e\u7a2e\u60c5\u6cc1\uff0c\u5c31\u8a72\u8003\u616e\u628a\u9810\u5099\u91d1\u6e96\u5099\u591a\u4e00\u4e9b\uff1a<\/p>\n<ul>\n<li>\u5de5\u4f5c\u5c6c\u65bc\u4e0d\u7a69\u5b9a\u6027\u8cea\u7684\u4eba\uff1a\u4f8b\u5982\u6253\u96f6\u5de5\uff0c\u6216\u662f\u6bcf\u9694\u5e7e\u5e74\u5c31\u8981\u63db\u7d04\u7684\u5de5\u4f5c\u3002<\/li>\n<li>\u5e74\u7d00\u6108\u5927\uff0c\u6e96\u5099\u7684\u9810\u5099\u91d1\u8981\u66f4\u591a\u3002<\/li>\n<li>\u7d93\u6fdf\u5927\u74b0\u5883\u4e0d\u4f73\u6642\uff0c\u98a8\u96aa\u610f\u8b58\u8981\u63d0\u5347\uff0c\u7b49\u5230\u7d93\u6fdf\u56de\u7a69\u624d\u8abf\u964d\u56de\u4f86\uff0c\u4fdd\u6301\u5f48\u6027\u3002<\/li>\n<li>\u5bb6\u5ead\u6210\u54e1\u4eba\u6578\u8b8a\u591a\u6642\uff0c\u5c0f\u5b69\u767c\u80b2\u9577\u5927\u6642\u3002<\/li>\n<\/ul>\n<p>\u6240\u4ee5\u9810\u5099\u91d1\u4ee5\u4f4e\u6a19\u4f86\u8aaa\u5c31\u662f6\u500b\u6708\uff0c\u4e0d\u904e\u4e00\u5b9a\u8981\u61c2\u5f97\u8996\u60c5\u6cc1\u800c\u8abf\u6574\u3002\u5de5\u4f5c\u6108\u4e0d\u7a69\u5b9a\u9810\u5099\u91d1\u7684\u6e96\u5099\u6708\u4efd<strong>\u5c31\u8981\u6108\u591a<\/strong>\uff0c\u5982\u679c\u5de5\u4f5c\u5c6c\u65bc\u975e\u5e38\u7a69\u5b9a\u7684\u5982\u516c\u52d9\u54e1\uff0c\u624d\u53ef\u4ee5\u8003\u616e\u6e96\u5099\u6bd46\u500b\u6708\u9084\u5c11\uff0c\u6700\u5c11\u90fd\u4e0d\u8981\u4f4e\u65bc3\u500b\u6708\u3002\u5982\u679c\u5e74\u7d00\u6108\u5927\u7684\uff0c\u6e96\u5099\u7684\u6708\u6578\u4e5f\u8981\u6108\u9577\u3002\u53e6\u5916\u7279\u5225\u6ce8\u610f\uff0c\u5fc5\u8981\u6642\u9808\u5f48\u6027\u5f80\u4e0a\u52a0\u8db3\u9810\u5099\u91d1\uff0c\u6bd4\u59822008\u5e74\u91d1\u878d\u6d77\u562f\u6642\uff0c\u55c5\u5230\u4f01\u696d\u6d41\u884c\u653e\u7121\u85aa\u5047\u7684\u6c23\u606f\u6642\uff0c\u5c31\u8981\u6709\u8b66\u89ba\u5fc3\u628a\u9810\u5099\u91d1\u5f80\u4e0a\u52a0\u9ad8\uff0c\u4e4b\u5f8c\u518d\u96a8\u8457\u7d93\u6fdf\u60c5\u52e2\u8abf\u964d\u56de\u539f\u6c34\u5e73\uff0c\u5982\u679c\u7d93\u6fdf\u6108\u4f86\u6108\u7cdf\u90a3\u5c31\u8981\u518d\u62c9\u9ad8\uff0c12\u500b\u6708\u6216\u662f\u4ee5\u4e0a\u90fd\u6709\u53ef\u80fd\u3002<\/p>\n<p>\u6700\u5f8c\u518d\u63d0\u9192\uff0c\u6e96\u5099\u7dca\u6025\u9810\u5099\u91d1\u63d0\u9632\u5931\u696d\u53ea\u662f\u9810\u5099\u91d1\u7684\u529f\u7528\u4e4b\u4e00\u3002\u9810\u5099\u91d1\u6700\u4e3b\u8981\u7684\u529f\u80fd\u4ecd\u662f\u5728\u7a81\u767c\u72c0\u6cc1\u767c\u751f\u6642\uff0c\u9019\u7b46\u9322\u53ef\u4ee5\u4fdd\u8b77\u597d\u4f60\u73fe\u968e\u6bb5\u6240\u6709\u7684\u7406\u8ca1\u898f\u5283\uff0c\u4e0d\u6703\u9700\u8981\u5f37\u8feb\u81ea\u5df1\u5f9e\u80a1\u7968\u3001\u8ddf\u6703\u3001\u57fa\u91d1\u6216\u5176\u5b83\u7406\u8ca1\u4e2d\u628a\u8cc7\u91d1\u62bd\u51fa\u4f86\u3002\u4fdd\u8b77\u597d\u4f60\u539f\u672c\u7684\u7406\u8ca1\u9032\u5ea6\uff0c\u9019\u624d\u662f\u7dca\u6025\u9810\u5099\u91d1\u7684\u6700\u5927\u7528\u9014\u3002\uff08\u672c\u6587\u6709\u7d93\u904e\u91cd\u65b0\u7de8\u5beb\u4e26\u6536\u9304\u5728\u300a<a style=\"color: #d93800; 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