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Life is full of surprises
生命充滿意外驚喜
“Let’s help ensure you’re ready"
「讓我們幫忙確保你準備好了」
Life is full of surprises, but you can be better prepared to handle them by building an emergency fund. Think of it as your financial safety net, a reliable source of money when you need it, so you don’t have to resort to credit cards and loans. It’s part of any good financial plan. Here are three things to know about an emergency fund.
生命充滿意外驚喜，不過你可以藉由建立一筆救急基金來做好更多準備去應付它們。把救急基金想成你的財務安全網，你需要時的可靠金錢來源，這樣你就不必求助信用卡和貸款。這是任何好的理財計畫的一部分。這裡是關於救急基金你要知道的三件事。
One: How much to save?
一：該存多少錢？
We suggest saving at least three to six months of living expenses. It may take time to get there, and that’s okay! The important thing is to start today with what you can afford, and then build your way up to five percent of your paycheck. A helpful tip is to take advantage of automatic deposits, which help you put away a little bit each pay period without even thinking about it.
我們建議存下至少三到六個月的生活開銷金額。要達到那目標可能需要花些時間，不過沒關係！重要的是今天能存多少就開始存多少，接著慢慢達到存下薪資百分之五的目標。一個有用的小技巧是善用自動存款功能，那能幫你不假思索地在每個薪資週期內存下一小筆金額。
Two: Where to keep your money?
二：你的錢要存在哪裡？
To avoid the temptation of tapping into your emergency fund for day-to-day expenses, we suggest keeping your money in a separate account. Consider a savings or money market account so you have an easy way to access your cash when you need it while you earn some interest in the meantime.
為了避免動用救急基金來當日常花費的誘惑，我們建議將你的錢存在一個獨立帳戶中。考慮儲蓄帳戶或貨幣市場存款帳戶，這樣你在需要時能輕鬆取得你的現金，同時你又賺到一些利息。
Three: What to use it for?
三：救急基金要用在哪？
Only use your emergency fund for true emergencies, like health expenses, critical home and auto repairs, or paying essential expenses after a job loss. If you do have an emergency, be sure to replenish the money you use so it will be there for next time.
只能將救急基金用在真正的緊急事件，像是健康開銷、重要的居家和汽車維修，或在失業後支付必要花費。如果你真的遇到突發狀況，務必重新補足你用的錢，這樣下次需要時才會有錢在那。
Life happens, but an emergency fund can help you weather the unexpected and turn a potential financial catastrophe into an inconvenience. Together, we can help you build a strong financial foundation so you’re more prepared to face life’s unknowns.
生命不可預料，不過救急基金能幫助你度過意外，並將可能的財務大災難變成一件不方便的事而已。同心協力，我們能幫你打造堅固的財務基礎，這樣你面對生命中的未知數就能更有準備。
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