Читать книгу Mutual Funds For Dummies - Eric Tyson - Страница 57

Many folks don’t know what their savings rate is. By savings rate, I mean, over a calendar year, how did your spending compare with your income? For example, if you earned $60,000 last year, and $57,000 of it got spent on taxes, food, clothing, rent, insurance, and other fun things, you saved $3,000. Your savings rate then would be 5 percent ($3,000 of savings divided by your gross (pre-tax) income of $60,000).

If you already know your rate is low, nonexistent, or negative, you can safely skip this step because you also already know you need to save more. But figuring out your savings rate can be a real eye-opener.