每个毕业生都应该知道的十大理财观念

Bad things happen, and they will happen to you. You'll be sick. You'll be hurt. Life will happen to you the same ways it does to everyone else. Be prepared mentally and financially for this reality.
总会有不好的事情发生，它们也会降临到你头上。你会生病，会受伤。生活对待你的方式和对待他人并没有不同。对这一现实要做好思想上和经济上的双重准备。

Know when to use a debit card or credit card.
知道何时用借记卡或信用卡

I think students should have credit cards. They are safer from theft than debit cards, and paying off a credit card every month will help a young person build a credit history and, hopefully, a good credit score. However, for routine purchases like going out to eat, buying gasoline or going to a movie, students should use a debit card. It will protect you from the typical 'I spent how much this month?' experience. Credit cards should be for major, significant purchases.
我认为学生应当有信用卡。与借记卡相比，信用卡被盗的危险更小，而且每月还卡账将帮助年轻人建立一个信用记录，希望会是一个良好的信用评分。但是一些日常支出，如外出就餐、给汽车加油或去看电影等，应该使用借记卡。这样你就不会每次都奇怪‘这个月怎么又花了这么多钱’了。信用卡应该用来支付有规划的的重大购买项目。

Get renter's insurance.
租房保证金

Look carefully at the insurance options provided by your employer. For example, everyone needs worker's compensation insurance. Financially protect yourself from a roommate who might run off to Puerto Rico with a security deposit or legal agreement.
雇主提供的保险选项可要看仔细了。例如，每个人都需要工伤补偿保险。要用保证金或法律协议保护自己在经济上免遭“可能远走高飞的室友”坑害。

Begin contributing immediately to a 401(k) plan or an IRA account.
立即开始向养老金计划或个人退休账户存钱

Even if you start off slow and modest, it will make a huge difference. You may miss the $50 or so you put aside out of each paycheck, but it will grow and grow and save you from panic later.
即便开始时存得不多而进展很缓慢，早早开始也将会有很大不同。你可能会对从每个月的薪水中拿出50美元左右存起来感到有点不太情愿，但是这笔钱会积少成多，让你免于老无所依的恐慌。

Don't be afraid to invest.
不要害怕投资

A savings account is a risky investment, because it means you're betting that there won't be inflation. Diversify, diversify, diversify.
存钱是一项高风险的投资，因为这意味着你打赌不会出现通货膨胀。多样化，多样化，永远切记要多样化。