先从租房开始住，一直到你准备组建家庭为止。如果你的年薪大约是 7 万美元，那就尽量把房子保持小一点，1500 平方英尺以内。当你决定要孩子时，再稍微扩大空间，添一个第二卧室，同时最好有一个家庭办公室。那时再考虑买房。 在信用卡管理上，两位伴侣各自办一张只属于自己的信用卡，这张卡绝对不要用来网上消费，卡始终保持在本人名下，并且每个月都把账单全额还清。 然后办第三张卡——共同持有（joint）。这张卡才用于所有线上支出，两个人按各自收入共同往里存钱。 但一定要把这张卡的额度设定在 2500 美元。 这样一来： * 你们能彼此监督消费； * 即使遇到信用卡诈骗，最大损失也只有 2500； * 而且每个月都能把它还清。 Start by renting until you start a family and keep it small, 1,500 feet or less if you've got the average salary of $70,000 annually. Once you decide to have a child, you gotta expand a little bit, get that second bedroom and also have an office in the house. Then you buy a home. Each partner gets their own credit card and never puts that online. It remains in their name and you pay the balance off every month. There's a third card which is joint-held. That goes online everywhere and that's the card that you each contribute to from your salaries. But you make sure the limit on that is $2,500. That way, you watch each other's spending and when you get hit with fraud, the max is 2,500. And you pay it down every single month.
Kevin O'Leary aka Mr. WonderfulChairman of O’Leary Ventures and Beanstox
观点原文
先从租房开始住，一直到你准备组建家庭为止。如果你的年薪大约是 7 万美元，那就尽量把房子保持小一点，1500 平方英尺以内。当你决定要孩子时，再稍微扩大空间，添一个第二卧室，同时最好有一个家庭办公室。那时再考虑买房。
在信用卡管理上，两位伴侣各自办一张只属于自己的信用卡，这张卡绝对不要用来网上消费，卡始终保持在本人名下，并且每个月都把账单全额还清。
然后办第三张卡——共同持有（joint）。这张卡才用于所有线上支出，两个人按各自收入共同往里存钱。
但一定要把这张卡的额度设定在 2500 美元。
这样一来：
- 你们能彼此监督消费；
- 即使遇到信用卡诈骗，最大损失也只有 2500；
- 而且每个月都能把它还清。
Start by renting until you start a family and keep it small, 1,500 feet or less if you've got the average salary of $70,000 annually. Once you decide to have a child, you gotta expand a little bit, get that second bedroom and also have an office in the house. Then you buy a home.
Each partner gets their own credit card and never puts that online. It remains in their name and you pay the balance off every month. There's a third card which is joint-held. That goes online everywhere and that's the card that you each contribute to from your salaries. But you make sure the limit on that is $2,500. That way, you watch each other's spending and when you get hit with fraud, the max is 2,500. And you pay it down every single month.
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