我们都青春过：年轻时会犯的5个错

Ruining your credit is never a good idea. Even if you ruin it while you’re young, it could affect you in the future. The upside of having bad credit while you’re young instead of older is that you have time to build it back up.
毁掉信誉从来不是好想法。即使你年轻，毁掉信誉也可能会对你的将来产生影响。年轻时比年老时失去信誉的好处在于，你有时间再次赢得信誉。

It can take 7-10 years to rebuild your credit if you have a history of late payments, loan defaults, foreclosures, or bankruptcy. During those 7-10 years, you’ll have a hard time financing anything unless you have a cosigner or put down a substantial down payment.
如果你有拖欠付款、贷款违约、取消抵押品收回权或破产历史，重建信誉可能需要7-10年的时间。在这7-10年里，你很难筹措资金，除非有共同签署人或预付一大笔定金。

Most people tend to make most of the bigger purchases in life when they get older such as a house or their dream car. If you have bad credit, you can kiss all of that goodbye.
生活中，大多数人年龄越大越倾向于购买大件商品，例如房子、香车。如果你信誉扫地，那就只有缘而没有份了。

4. Making bad investments
投资不谨慎

If you’re investing money for your retirement, making bad decisions can mean you’ll be working your entire life. Whether you choose to pay someone to do the investing for you or handle it all yourself, it’s a lot better to take risks when you’re younger.
如果你为养老做投资，不明智的投资可能意味着你将辛劳一生。不论花钱雇人还是自己做投资理财，承担风险，越年轻承受力越强。

If you invest in stock or even real estate while you’re young and the market takes a hit, you’re not ruined. Investing is a long-term venture, so the younger you start, the more fluctuation you can withstand and still come out with a positive return.
如果年轻时投资股票或房地产，市场震荡，你不会一蹶不振。投资是长期冒险，投资越早，就越经得起涨落，而最终获得正收益。

5. Blowing your money
烧钱

What would you do if you went broke at 60 years old? You would be working your behind off when you really should be relaxing and getting ready to retire soon.
60岁的你成了穷光蛋怎么办？你该真正放松，准备享受退休生活的时候，却不得不甩开膀子接着干。

But if you’re 25 and broke, you still have plenty of time to earn more money. Also, nobody will judge you because it’s not unusual for people in their 20’s to not have money these days. You might have blown your money on a nice car or have an obsession with all the newest gadgets.
但是，如果25岁的你破产了，你还有足够的时间赚更多钱。还有，没有人因此对你说三道四，因为，现在20多岁的年轻人没有钱很正常。你可能买了辆好车，挥霍了一笔，或者曾痴迷于新潮小设备。

When you get older, you’ll be able to look back and realize how dumb you were for spending $20,000 on a brand new car when you were only 20 years old. But when you’re older and waste your money, you’ll REALLY have nothing to show for it.
当你变老时，回顾过去，你开始懂得，花2万美元买辆新车，那时只有20岁的你多么让人无语。但是，当你已不再年轻，而且还乱花钱，你就真得什么也没有了。