2013年怎样理财 你有什么打算？

Are you ready for 2013?  Matt Collins

为2013年做好准备了吗？

Most financial-planning advice, like most New Year's resolutions, is too complex or too banal.

大多数财务规划建议就像大多数新年许愿一样，不是太复杂就是太平庸。

Half of it is designed for Type-A drill sergeants who already alphabetize their refrigerators. The other half you've heard before.

一半的建议是专为具有A型人格的军事操练教官设计的，这些人已经按字母顺序给冰箱里的食物排好了序。另一半你已经听说过了。

Let's assume you are already paying off your credit cards, contributing to your 401(k) at work and flossing after every meal.

让我们假设你已经还清了信用卡债务，缴纳了养老保险，每次用餐后都用牙线清洁了牙缝。