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作整体规划确保生活质量

第一是，工作或者事业

这里有事业的估计不多，所以工作是第一位的，可以对抗通胀，可以确保医疗保险的
benefit

第二是，401K

每年都存满，时间过得比较快，不存的话时间就浪费了，即使有回国的计划也要存。

第三是，健康

如果你有健康的好习惯，可以建立HSA账户，很快就能累计不少钱，如果每年看病超过3
次，就免了。

第四是，消减开支

自己烧菜，又省钱又健康，以前经常下馆子，次数多了仅小费就是一大笔开支。

第五是，学会投资

投机估计没戏，这要全职做而且要碰运气。但是投资应该相对比较容易些。

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