6. Follow these financial rules of thumb

遵循财务黄金法则

Concerned about how much you're spending, how much you should be saving, and how much house you can afford? Use these easy equations to determine how financially healthy you are:

在担心要花多少钱，存多少钱，以及你能负担的起多大平米的房子了吗？用这些简单的等式来看看你的财务健康状况如何吧：

The price of your home should not be more than 2.5 times your annual gross household income.

房子价格不应超过你每年家庭纯收入的2.5倍。

Your total monthly debt payments (including mortgage, student loans, car, and credit card payments) should not be more than 35 percent of your monthly gross income. Some mortgage brokers will stretch this ratio up to 40 percent, but that leaves you very little budgetary wiggle room.

你每月要支付的债务总额（包括按揭付款、助学贷款、汽车贷款和信用卡支付）不应超过你每月纯收入的35%。一些房贷经纪人会把比率提升到40%，不过这样的话你的预算空间将非常受限。

To retire comfortably, your nest egg should be about 20 times what you want your annual income to be. If you anticipate needing about $75,000 a year to live on when you retire, you'll need to save a nest egg of about $1.5 million. Of course, this will vary if you retire early or continue to work longer than usual.

为了舒服地退休，你的储备金应该说是你年收入的20倍！如果你退休以后，你需要一年75,000美元来维持生活，那你就得攒够一百五十万美元的储备金。当然，如果你要早点退休或是继续工作，这笔金额会有所调整。