零负债的年轻人，正偷偷暴富

\u003cdiv class=\"rich_media_content\"\u003e\u003csection data-exeditor-arbitrary-box=\"image-box\" style=\"background-color: rgb(255, 255, 255); caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-size: medium; letter-spacing: 0.544px; margin-bottom: 0px; margin-left: 0pt; margin-right: 0pt; outline: 0px; visibility: visible; white-space: normal\"\u003e\u003c!--IMG_0--\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"background-color: rgb(255, 255, 255); caret-color: rgb(34, 34, 34); letter-spacing: 0.544px; line-height: 1.75em; margin-bottom: 0px; outline: 0px; visibility: visible; white-space: normal\"\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"background-color: rgb(239, 239, 239); border-color: transparent; border-style: dashed; border-width: 2px; display: inline-block; line-height: 25.6px; outline: 0px; padding: 10px; visibility: visible; width: 670px\"\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"background-color: transparent; outline: 0px; visibility: visible\"\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"background-color: transparent\"\u003e\u003cp\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"background-color: rgb(239, 239, 239)\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e前段时间，我们收集了数十份「2025我的财务盘点」问卷，在那些或长或短的自述里，我们看到一个个普通人，如何用金钱小心翼翼地构筑自己的安全感，以及守护生活的自主权。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"background-color: transparent\"\u003e\u003cp\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"background-color: rgb(239, 239, 239)\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e \u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"background-color: transparent\"\u003e\u003cp\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"background-color: rgb(239, 239, 239)\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e有人提前还清130万房贷，终于感受到了无债一身轻的踏实；有人在南京漂泊七年、搬了无数次家后，签下一套60平米的房子，背上66万贷款，却觉得安心；还有人用“失业大礼包”给自己一次喘息和思考的机会······\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"background-color: transparent\"\u003e\u003cp\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"background-color: rgb(239, 239, 239)\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e \u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"background-color: transparent\"\u003e\u003cp\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"background-color: rgb(239, 239, 239)\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e每一份自白的背后，都是一次勇敢的自我凝视，而金钱，从来不是简单的数字，它代表着自由、梦想和所能兑换的选择空间。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"background-color: transparent\"\u003e\u003cp\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"background-color: rgb(239, 239, 239)\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e \u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"background-color: transparent\"\u003e\u003cp\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"background-color: rgb(239, 239, 239)\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e2025年已经过去，站在新年的起点，我们或许都需要为生活按下暂停键，思考新的一年该如何规划自己的财务？如何用金钱为人生换取更多的可能？\u003c!--AI_AD_1000--\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"background-color: transparent\"\u003e\u003cp\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"background-color: rgb(239, 239, 239)\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e \u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"background-color: transparent\"\u003e\u003cp\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"background-color: rgb(239, 239, 239)\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e新的一年，祝你拥有良好的财务状况和对生活说“不”的勇气。 \u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003c/section\u003e\u003c/section\u003e\u003c!--MID_AD_0--\u003e\u003c!--EOP_0--\u003e\u003c/section\u003e\u003c!--PARAGRAPH_0--\u003e\u003cp style=\"background-color: rgb(255, 255, 255); line-height: 1.75em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px\"\u003e\u003cspan style=\"background-color: rgb(255, 255, 255)\"\u003e\u003cspan style=\"letter-spacing: 0.544px\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"image-box\" style=\"background-color: rgb(255, 255, 255); letter-spacing: 0.544px; line-height: 1.75em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; outline: 0px; white-space: normal\"\u003e\u003c!--IMG_1--\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; min-height: 1em\"\u003e\u003cspan style=\"letter-spacing: 0.544px\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"image-box\" style=\"text-align: center\"\u003e\u003c!--IMG_2--\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"margin-left: 16px; margin-right: 16px\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"background-color: rgb(255, 169, 0)\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@梁先生 男 39岁 北京\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e零负债，家庭年收入约60万元，月开销3万元左右。存款150万左右，证券保险类150万左右，两套房产自住，价值大概2000万。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e今年没有什么财务波动。我的财务原则是量入为出，保持稳定，尽量避免不必要开支。2026年的财务目标是，保持家庭现有支出和生活质量，保持收入水平不下降，存款可以稳定增长20%。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@无敌 女 28岁 北京\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我是无房、无车、无贷款的零负债人群。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e今年最重要的一笔储蓄是老公给我转的20万。结婚前老公还是负债，结果一结婚，情况迅速好转，他工资提升，某月发工资后给我转了20万。这个大大缓解了我对未来生活的焦虑。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e今年我关闭了所有花呗等小额借贷平台，并且开始理财，在能力范围内，心安理地花钱，让自己过得舒服。希望2026年自己个人税后年收入达到25W，至少存下15W；家庭累计存款达到150W。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@唐一 女 26岁 长沙\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我是零负债人群，今年最重要的一笔储蓄是从6月份到8月份，每个月从工资中强制存了2000元。12月份了我还没拿到9月份的工资，还好强制储蓄了那6000元，帮我度过了没发工资的日子。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e目前无财务可言，没钱时还问家里要，目前身上只有1000元。如果今年年底积压未发的工资发下来，我会将三分之二存下来。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e2026年想换份工作，提高收入，同时强制储存，有稳定收入时，每月工资强制存储至少二分之一。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"image-box\" style=\"margin-left: 16px; margin-right: 16px; text-align: center\"\u003e\u003c!--IMG_3--\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@陈先生 男 34岁 北京\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我算是零负债人群，负债有一点点，也有存款。今年存多少确实不清楚，钱都给媳妇存着。今年有一笔外借的钱收回来了，但是没有存起来，今年存款利息太低了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我的财务原则是能省则省，能存就存。最积极的变化是在原有固定储蓄之外，平时的零钱再攒一部分，随时随地放入理财。2026年的财务目标是再存10万。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@轩轩 女 27岁 上海\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e零负债！今年存了不到一千，支付宝里差不多有十万。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e今年最重要的一笔支出是上舞蹈课，长大后在自己的能力范围内，学自己喜欢的东西真好。上班第一年，至少是收支平衡了，我能自己承担所有开销很开心。希望到2026年年底可以存5000元，目标不能太大，量力而行好了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@袖隐 女 36岁 广州\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e零负债，存款70W。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e今年最重要的一笔支出是弟弟结婚要准备的红包。因为是姐姐，按江西的风俗都要帮衬弟弟，身边的每个女性长辈都是这么念叨，我虽然做不到全部照搬接受，但预计还是得出2万元。为了所谓家里人的面子。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我现在每月固定储蓄，每个月发了工资会分几块支出，一个是给爸妈未来的养老钱，一个日常开支，一个旅游基金，剩余储存。最积极的改变是开始记账了。2026年希望再存5万元，然后看有没有机会买到属于自己的小房间。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003c!--IMG_4--\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@Wong 女 32岁 东莞\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我是零负债人群，有存款。今年年初被裁员了，目前靠着失业金和存款过日子。硬要说负债的话也就是每个月的花呗和信用卡这些小额负债，但没有用过分期，且信用卡等这些小额贷只是我的支付方式（为了刷信用和积分），我每个月都会留好足够的钱到还款日前把钱还上。今年存款增长额为负数（因为失业了哈哈）。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c!--MID_AD_1--\u003e\u003c!--EOP_1--\u003e\u003c/p\u003e\u003c!--PARAGRAPH_1--\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e最重要的一笔储存应该就是一次性入账的失业大礼包了。对我来说意味着喘息，也让我停下来思考我的人生，是要继续忙忙碌碌地往前推赶各种所谓的进程，有点麻木地往前走；还是带着一些目标和方向，找让自己真正喜欢的事情。因为目前buff叠满，大龄单身失业女，其实真的很迷茫。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e失业这一年其实从一开始的焦虑，到后边想想就这么回事，再到现在觉得可以找点兼职来做，思考下出路，边做边走。最积极的财务改变应该是撇除焦虑舍得花钱出去旅游了吧哈哈！买得我开心！回来后更有力气继续面对生活，换了一个心境。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e目前算是在创业，现在的时间点创业其实挺危险，所以没啥大志气的我希望明年能不用再花存款了，能再攒点钱出去玩，更多的当我的养老金就很不错啦！\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@于老师 男 24岁 南昌\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e零负债，今年存了2k，目前全部存款6k，今年买了一个适马2470二手镜头。我的财务原则是房子不买，车子不要（小电驴可以要）。希望2026年可以存下三次旅行一周的资金。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003c!--IMG_5--\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@阿D 女 26岁 吉林人\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e在到处旅居，目前在\u003c!--SECURE_LINK_BEGIN_0--\u003e武夷山\u003c!--SECURE_LINK_END_0--\u003e。零负债，今年没存下来，也没负债，资产情况是没房没车，存款7万左右。我的财务原则是，不买单价超过存款1/10的东西。改变就是今年不买基金了。2026年打算学习理财，虽然目前也没财可理，希望存款达到20万。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@花 女 26岁 广州\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e无负债，不分期，不贷款。今年存了多少还没算，自己手上现金20万。今年开始买黄金了，美联储降息前后，意味着我更喜欢存钱了，有存款就可以不上班。希望可以一直过有选择权的生活。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我现在的财务原则是不亏待自己，也不过度奢侈。在衣服和没用的东西上花钱少了。希望2026年发展新的收入来源，目前每月收入1-3w，争取26年底可以达到月入5-8w。然后多创造些精神资产，因为今年参加了一次葬礼。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e \u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@Danni 女 28岁 深圳\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e零负债，今年存了12万，目前存款56万，公积金里有13万。今年的人才补贴全发下来了，大概3万。我现在开始攒钱了，基金也开始研究了，希望2026年存款达到85万。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"image-box\" style=\"text-align: center\"\u003e\u003c!--IMG_6--\u003e\u003c/section\u003e\u003cp\u003e\u003cbr/\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@灵敏 女 90后 厦门\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e目前有房有车，房贷负债140万+，车贷7万+，存款只有几万，工资已经有半年没发了，奖金有两年没发了，报销一年没报了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e最重要的负债就是房贷了，21年买的时候以为自己是刚需，买了后计划赶不上变化，意外二胎，二胎需要爷爷带，必须得跟爷爷奶奶一个小区比较方便，雪上加霜的是房地产大环境逐年低迷，疯狂降价，目前也没怎么住，亏了一百五十几万，租不好租，卖不好卖。苍天呐！\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我的财务原则是该花的花，不该花的钱暂时不花，想买的IPAD一直没买，想买的手表也舍不得下手。但是出去玩、买吃的、买衣服还是会舍得花的，因为想疗愈下自己。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e希望2026年能存个5万，经济上可以富足一点，工资收入能够增加一点。希望能够有个源源不断的副业，2026年想为自己活。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@旺旺 男 37岁 湖北\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e车贷8万，目前手里大概有两万多的存款，还有母亲留下的一套房子等待出手。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e23年7月到25年7月还了10万块钱，是母亲留下的债务，本来还完这10万块钱债务后，暂时没有大额支出，可是听说母亲的墓地没人打理，已经荒了，我决定把母亲的骨灰迁回老家，所以就决定买车。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我的消费习惯是以节约为主，每个月发工资，就把工资分成四份，一份用于日常生活，一份用于还车贷，一份买理财，一份存定期。最积极的财务决策就是开始存定期和买理财了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e希望2026年，在保证每个月还车贷和正常生活的前提下，存款超过3万，再把母亲留下的房子卖了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003c!--IMG_7--\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@我想我是豆瓣酱 男 35岁 泉州\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我的负债主要是房贷，还要还15年，30万左右。今年存得不多，三四万，很满足。生活终于不那么紧巴，很轻松。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e前几年结婚，生孩子，买房，买车，装修，压的我喘不过气来，每月一万的收入，扛了五六年。现在房贷一月两千多，没有其他支出，收入也高了，一下轻松了很多。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e每月我定期存2000进基金账户定投，也存了一万多了。其他的除去房贷给我媳妇，她也存了几万了。如今就是生活该买买，大钱只要不花，我们就没有压力。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e希望2026年存款至少到10万，相比我的同事们，我都算富裕的了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@Lulu 女 31岁 沈阳\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e有房贷，也有定期存单，生活在二线城市，工资还了房贷加日用开销，能剩个三五百，有绩效的时候能剩个两三千块。为了能让钱生钱，先后尝试了基金和银行理财，有赚有赔，但都在可承担风险范围内。今年几乎没存钱，银行利率跑不赢房贷，所以有一些结余就还房贷了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e今年基金赔了七千块果断离场，人果然赚不到认知以外的钱，所以学会了谨慎投资，买一些银行理财，每天有个一块钱也不错。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e永远不要超前消费，这也是我工作快十年一直秉持的信念，从来不会分期消费，如果想买个大件，全款购入在我的承受范围内，我就买，反之就不买。房子也是考虑到了日后的租售比，加上刚需才买的。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e2026年的财务目标：换工作，还上5-8万房贷；从理财中赚到一万块。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@David 男 22岁 南京\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e负债66万，无存款，有车有房。负债是因为在南京买了房，一个人远离家乡在外漂泊了7年，搬过无数次家，连一颗钉子都不敢往墙上钉。这个房子来得意料之外，因为原本是打算租房一辈子，可是过怕了居无定所的日子，思虑再三，25年的三月签下了这套房子，虽然只有小小的60平，但它对我来说是新的开始，是我自己的港湾。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c!--MID_AD_2--\u003e\u003c!--EOP_2--\u003e\u003c/p\u003e\u003c!--PARAGRAPH_2--\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我的财务原则是，不持续增加负债的情况下，不要降低自己的生活状态，最积极的是，开始对比各大银行的贷款政策和利率。希望2026年完成还清除房贷外的其他贷款，每个月有规律地攒钱。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"image-box\" style=\"margin-left: 16px; margin-right: 16px; text-align: center\"\u003e\u003c!--IMG_8--\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@女士 53岁 北京\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e刚背了一笔110万元的房贷，没有存款！在北京有五环内两套房，一套市值300万的大三居，一套150万左右小一居，首付40万，贷款110万。天津有一套小两居，市值40万左右。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e今年最大的负债是买房，儿子大了需要腾房子结婚，原计划是去天津养老，现在不想去了，所以在家附近买了一个小一居，计划卖掉天津的小两居。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我现在的理财倾向于稳健型，除了工资收入和投资买房，基本不参与任何其他理财和投资。2026年计划再找一份兼职赚外快，把大房子租出去先挣点房租弥补一下房贷，把天津房子卖掉回笼资金，等退休了再找份工作发挥余热，尽快把房贷还了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e \u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@王先生 男 39岁 青岛\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e今年最重要的决策就是喜提住房，贷款120万买了套148平三居，目前手里还有22万存款。我现在的财务原则就是不创业，少折腾就不会回到起点。2026年具体的财务目标是换个立标奔驰。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@张女士 女 湖北\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e2025年存了一些钱，但是不多，自己有套小住房，以租养贷略有盈余。三线小城市手中能有个50W也比较满足。今年每月都会存一点，虽然有房贷但是暂时没有压力，还是觉得挺开心的。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我现在每月发了工资会固定储蓄，剩下的随便花，虽然没多少，但是感觉存下一部分，还有一部分可以花还是挺幸福的。希望2026年可以超额完成我的存钱目标，除去家庭开销，还能有余钱去看我想看的演唱会。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"image-box\" style=\"margin-left: 16px; margin-right: 16px; text-align: center\"\u003e\u003c!--IMG_9--\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@李先生 男 41岁 山东诸城\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e2025年全年收入24万，去年才还完房贷，现在属于零负债人群，2025年存下10多万，目前资产：总存款30万，两套房子约110万，两辆车估值15万。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我是个上班族，目前的收入，对本地上班族来说算是上等了。我父母60多岁，有一定的收入，每个月6-7千左右。我的小家庭主要靠我的工资，儿子上高中老婆在家陪读，闺女在上海读大学，今年的这笔存款，对于我来说是整个家庭的底气，是为了将来的物质储备。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我和我老婆的消费观念都是理性消费，目前最大的开销是闺女的生活费，两辆车的日常费用，再就是一家人的衣食住。希望2026年稳定住当前的收入，保持今年的存款目标，还有就是考虑一下正规理财产品。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@阿猫 男 38岁 佛山\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e2025年1月将股票，基金等都取出来了，结清了130万的房贷，车贷已于2024年1月结清，目前零负债，两个娃，手头20来万流动资金，每月2万多收入，低物欲。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e今年最重要的决定就是结清了房贷，这套房子是在2016年12月以2成首付买的，当时刚结婚，我老婆嫁给我，没有要求我有车有房，结完婚，想着不能让她一直跟我到处租房，当时太没心没肺了，觉得这女孩真勇敢，我一个月光族就敢嫁给我。后来父母凑了首付，背上了房贷。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e现在无债一身轻，2026年继续过好小日子，也是中年人了，养生点，多陪陪老婆和小孩。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"image-box\" style=\"text-align: center\"\u003e\u003c!--IMG_10--\u003e\u003c/section\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"margin-left: 16px; margin-right: 16px\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"background-color: rgb(255, 169, 0)\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@穆奇伯伯 男 28岁 上海\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e有负债，但存款大于负债，今年存了30万，目前负债25万，净资产40万。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e最大的一笔负债是学业贷款，用于给自己读工商管理交学费，是我投资自己的一笔负债。这笔钱利息只有1.7%，然后我把现金拿来做投资获得了60%的收益。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我的财务原则是坚持复利，量入为出。最积极的财务改变是学习投资，今年将资产配置由指数基金转向了个股，通过价值投资的方式获得了较好的收益。希望2026年坚持价值投资，能够获得净资产20%以上的投资收益。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@蕴 女 22岁 上海/广东\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e负债4万7的国家助学贷款（合同问题想还暂时还不能还），今年刚毕业，上半年实习和下半年转正，存了5万，文职，资产状况良好吧，没有买车买房、结婚生娃的想法。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e最大的负债是国家助学贷款，谢谢国家让我读大学四年能先享后付。（父母要赡养他们的父母，我自己想自行承担学费的）我的财务原则是该省省该花花，希望2026年多赚点，研究一下国家助学贷款合同提前还了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@秋刀鱼 女 23岁 深圳\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e零负债，存款两万五，最近还清了一笔负债，是自己的国家助学贷款。今年三月份将四万贷款一次性还清了，对我来说意义非常重大。必须有存款，绝对不超前消费，这是我最大的原则。希望二六年的存款能够达到十万。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"image-box\" style=\"margin-left: 16px; margin-right: 16px; text-align: center\"\u003e\u003c!--IMG_11--\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@Logan 男 29岁 香港\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e博士刚刚毕业，入职做博后，零负债人群（虽然会用信用卡，但是不逾期，也不分期，理性用卡，合理利用信用卡权益），今年净资产增加 98882 元，目前资产 28 万。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e每月定期存款，每一笔储蓄都很重要，负债都是信用卡日常消费。我的财务原则是坚持记账，做好预算，合理开销；按规则每月存钱，合理分散配置；配置好保险作为兜底，分摊风险。最积极的改变是设立生活备用金和心理账户，优先往里存钱。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e2026年的规划：1、存够 10 万的生活备用金（短期理财），之后的储蓄可以作为中长期投资理财；2、投资自己，努力提升收入。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@Eureka 女 22岁 北京\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e8万负债0存款，大学助学贷款5万加个人消费贷3万；目前大四仍在实习，曾经在大三贴钱实习两次，找人替课每月1.5～2k，尽管每月花超但我认为相当值得，因为现在已经卷到大一就出来实习了，我当前工作已经稳定落实。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e由于考试专业第一，学校一次性给我5000补助，一次还了3个小额网络贷款。其实我从去年冬天开始只借了不到2.5万元，但是要还3万多，目前已经把花呗和白条关闭，明年一定努力还完，再也不要负债。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e对我而言在大学毕业前经历这么一遭，或许是好事，意味着我这辈子不会再轻易背上房贷、车贷、消费贷，当前已经开始研究保险、稳定理财了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e希望2026年上半年继续实习、兼职，还完剩下的1万消费贷。下半年毕业后还清助学贷款的2万元，并每月存1000定期。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@阮女士 女 38岁 合肥\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e没有房贷车贷网贷，有使用信用卡，有信用卡账单，但是不需要分期。每一笔收入都重要，我现在半自由职业，接活儿不稳定。我还做金融投资，买基金，今年理财收入有15万，这个算是今年最重要的一笔储蓄吧。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我现在财务原则就是量入为出，砍掉没有必要的消费，精简必要的消费。不被消费主义束缚，发现快乐并没有减少，反而更加轻盈。为了顺利实现FIRE（即财务独立，提前退休），2026计划攒够300万，并形成自己的金融投资风格，规划好自己的支出，让理财收入可以覆盖生活支出，达到一种平衡。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c!--MID_AD_3--\u003e\u003c!--EOP_3--\u003e\u003c/p\u003e\u003c!--PARAGRAPH_3--\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"image-box\" style=\"margin-left: 16px; margin-right: 16px; text-align: center\"\u003e\u003c!--IMG_12--\u003e\u003c/section\u003e\u003cp\u003e\u003cbr/\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@小小少先队 女 28岁 上海\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e零负债人群，坚持有多少钱就花多少钱，也有开通花呗，信用卡和白条，但每次使用都是因为有优惠，用完就还上了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我的月薪16k，去除五险一金，税和房租固定支出后，还能剩11k，每月大概3k的生活费，其余的都分类存起来，比如想出去旅行，给爸妈买东西又或者想换个手机，只要超过一千的消费都会提前规划下。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e直到两个月前突然醒悟，我分类存的钱全是即将要消费的，我并没有真正的存款，如果突然有急事，我必须得做“假账”，即从别的分类中抠出来，所以我又调整了我的存钱计划，增加一项不能花的存款分类。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e农村土狗来的，想去港澳旅行，想见见不一样的世界，自从有了这个想法后，我开始了自己的攒钱计划，每个月发工资后存1000，我存了20个月，终于在今年8月份存够了2万元，我想去港澳穷游一周应该够了吧。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我的财务原则是能力范围内消费，两三年前看到别人都有LV包包，虚荣心作祟很羡慕，但存钱后发现存钱真难，索性放弃了，一个包并不能让我真的快乐，但是如果有两三万的存款我会开心更久。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e2026年想gap一年，目前存了一年的灵活就业2.7w，想再存一年或者半年的生活费2w，存够了我就提离职。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@CC 男 36岁 厦门\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e目前还有10万网贷要还。今年最大的一笔支出是，曾经最信任的同学、朋友、发小跟我借钱，当时我没考虑太多就借了，说是短期周转，当时也没多少存款，网贷里有点额度，他们说网贷的利息他们出，就这样前前后后总共借出了20万，这样维持了一年左右，后来他们不但本金没还，利息也断了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e靠自己微薄的工资和信用卡艰难的维持着不逾期，生活中不敢有大的开销，目前没谈对象，没买车，没买房。我目前的财务原则是维持原状，不敢变动，靠工资还债，希望2026年还清网贷。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"image-box\" style=\"margin-left: 16px; margin-right: 16px; text-align: center\"\u003e\u003c!--IMG_13--\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@野兔 男 25岁 上海\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e零存款，负债不到两万，今年最大的一笔支出是房租。一个人在上海租房，不是很好找工作，没有工作期间，房租还需要交着，本身来上海之前就有负债，但是没有现在多，虽然现在也不多，从2019年上大学开始就一直有一定量的负债，没有大额负债，唉说实话啊，一边不怎么在意，一边有时候却又有些焦虑，尤其是交房租还贷款的时候，执行力不行啊。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c!--MID_AD_4--\u003e\u003c!--EOP_4--\u003e\u003c/p\u003e\u003c!--PARAGRAPH_4--\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我目前的财务原则是允许一定量的负债，因为我做不到零负债。现在的财务改变都是消极的。2026年的财务目标还没有具体的规划，但是至少来说要把这负债还清。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@王博晗 女 24岁 保定\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e有八万六的负债，定期存款1万，定期存款保险八万四，还有实物黄金170克，估值十七万。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e最重要的一笔负债是，恋爱脑上头给对象转了五万块，给父母三万块。没有好好对自己，对我而言意味着讨好型人格又增强了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e现在的财务原则：对自己花钱不要舍不得，要好好照顾自己，对自己好一点，谁都靠不住，要靠自己。财务目标是26年达到整体资产50万，金银铂适当存一些，股票买一点，基金买一点。 要对自己好。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection data-exeditor-arbitrary-box=\"wrap\" style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/section\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(123, 12, 0)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e@Sylvie 女 26岁 上海\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e我是零负债人群，今年存了10万，有一套房子无需还贷，无车。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e今年最重要的就是牙套贷款，人生中唯一的一次贷款，5万分期一年还的，已经还完了，戴了牙套，整个人都更自信了！\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgba(0, 0, 0, 0.9)\"\u003e\u003cspan style=\"font-size: 17px\"\u003e\u003cspan style=\"letter-spacing: 0.034em\"\u003e\u003cbr/\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; text-align: left\"\u003e\u003cspan style=\"color: rgb(102, 102, 102)\"\u003e\u003cspan style=\"font-size: 15px\"\u003e\u003cspan style=\"letter-spacing: 1px\"\u003e现在的财务原则是存一半花一半，最积极的改变就是这个，之前都是月光，因为钱太少了。希望2026年，收入60万，存下30万。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cstyle\u003e.data_color_scheme_dark{--weui-BTN-ACTIVE-MASK: rgba(255, 255, 255, .1)}.data_color_scheme_dark{--weui-BTN-DEFAULT-ACTIVE-BG: rgba(255, 255, 255, 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#BB8E00;--weui-YELLOW-120: #FFCF33;--weui-YELLOW-170: #FFECB2;--weui-YELLOW-80: #CC9C00;--weui-YELLOW-90: #E6AF00;--weui-YELLOW-BG-100: #EFB600;--weui-YELLOW-BG-110: #F0BD19;--weui-YELLOW-BG-130: #F3CC4D;--weui-YELLOW-BG-90: #D7A400;--weui-FG-HALF: #000000;--weui-RED: #DC3636;--weui-ORANGERED: #D14730;--weui-ORANGE: #E17719;--weui-YELLOW: #BB8E00;--weui-GREEN: #4F8400;--weui-LIGHTGREEN: #2E8800;--weui-TEXTGREEN: #06AE56;--weui-BRAND: #018942;--weui-BLUE: #007DBB;--weui-INDIGO: #0075E2;--weui-PURPLE: #6265F1;--weui-LINK: #576B95;--weui-TAG-TEXT-ORANGE: #E17719;--weui-TAG-TEXT-GREEN: #06AE56;--weui-TAG-TEXT-BLUE: #007DBB;--weui-REDORANGE: #D14730;--weui-TAG-TEXT-BLACK: rgba(0, 0, 0, .5);--weui-WHITE: #FFFFFF;--weui-BG: #FFFFFF;--weui-FG: #000;--weui-FG-5: rgba(0, 0, 0, .05);--weui-TAG-BACKGROUND-ORANGE: rgba(225, 119, 25, .1);--weui-TAG-BACKGROUND-GREEN: rgba(6, 174, 86, .1);--weui-TAG-TEXT-RED: rgba(250, 81, 81, .6);--weui-TAG-BACKGROUND-RED: rgba(250, 81, 81, 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255, .55);--weui-FG-2: rgba(255, 255, 255, .35);--weui-FG-3: rgba(255, 255, 255, .1);--weui-FG-4: rgba(255, 255, 255, .15);--weui-GLYPH-0: rgba(255, 255, 255, .85);--weui-GLYPH-1: rgba(255, 255, 255, .55);--weui-GLYPH-2: rgba(255, 255, 255, .35);--weui-GLYPH-WHITE-0: rgba(255, 255, 255, .85);--weui-GLYPH-WHITE-1: rgba(255, 255, 255, .55);--weui-GLYPH-WHITE-2: rgba(255, 255, 255, .35);--weui-GLYPH-WHITE-3: #FFFFFF;--weui-GREEN-100: #74A800;--weui-GREEN-120: #5C8600;--weui-GREEN-170: #233200;--weui-GREEN-80: #8FB933;--weui-GREEN-90: #82B01A;--weui-GREEN-BG-100: #789833;--weui-GREEN-BG-110: #6B882D;--weui-GREEN-BG-130: #65802B;--weui-GREEN-BG-90: #85A247;--weui-INDIGO-100: #1196FF;--weui-INDIGO-120: #0D78CC;--weui-INDIGO-170: #052D4D;--weui-INDIGO-80: #40ABFF;--weui-INDIGO-90: #28A0FF;--weui-INDIGO-BG-100: #0D78CC;--weui-INDIGO-BG-110: #0B6BB7;--weui-INDIGO-BG-130: #09548F;--weui-INDIGO-BG-90: #2585D1;--weui-LIGHTGREEN-100: #3EB575;--weui-LIGHTGREEN-120: #31905D;--weui-LIGHTGREEN-170: 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