1.自动投资。如果你所在的公司有养老保险计划，那就尽量能缴多少缴多少。如果公司没有，那就自己制订一个“养老金计划”，把钱存入个人退休账户（允许个人将税后收入的一部分存入，投资所得享有免税待遇的账户），设定每月扣除的金额。
2.把钱放入股市。阳光总在风雨后，股市的形势一旦好转，通常会回升得非常迅速。2008年股市低迷，你有机会以极低的价格买入。
3.设立储蓄账户，每有一笔收入就存点儿钱进去。可以利用它支付购房首付款、研究生教育、购买新车或者是结婚的费用。
4.即使你现在的工作不怎么样，也得开始建立自己的事业了。在你的领域建立人脉，加入职业协会，参加会议和培训班，自学技能，增强竞争力。
5.建立良好的信用记录。如果你没有信用卡，就去办一张。如果有，要保证每个月按时还款。只用这张卡买你能支付得起或者急需的东西，并在每个月的还款期限内全部还清欠款。
6.如果单位不给你上医疗保险的话，就自己购买一份。如果收入刚够糊口，腿摔伤了这样的小事故有时也可能让你困窘不堪。如果你有医疗保险，可能在某些时候得到更好的照顾。对年轻人来说，医疗保险并不贵。
7.长点儿楼市方面的心眼儿。现在也许不是买房的最佳时机，但现在的机会确实不错，而且这种状况应该还会持续一段时间。现在就可以考察一下楼盘的情况，计算一下贷款额，想想自己能付得起多少钱，喜欢什么样的房子。
8.学会理财。如果你从二十几岁开始投资，你还是赶不上巴菲特，他十几岁的时候就开始投资了。但你到35岁的时候就可能相当有经验了，接下来就有很多时间，利用积累起来的理财技能赚钱。你可以慢慢来，但要一直学着做。
9.推迟享受的时间。你可能感觉自己已经很长时间没过真正的成年人生活了，但最好再推迟几年，这会让你最终受益匪浅。
10.寻求帮助。即使勒紧裤腰带，你手头的现金可能仍不足以在买房的同时投资养老金账户。别忘了你的父母和祖父母，他们也许能在这些颇具价值的事情上帮上忙。
来源：青年文摘绿版文/Linda Stern
译文:
Ten Financing Tips For Youngsters In 2009
1. Take the initiative in investments. Pay for your company's Endowment Insurance① project as mush as you can if there is one. If there is not, try to work out a Pension② Plan, set the amount of monthly deductions and put the money into your personal retirement account, which receives part of your after-tax income, and returns on the basis of duty-free③ status.
2. Invest in stocks. Storms always give way to the sun. As a rule, the stock market will heat up rapidly once conditions improve. You stand a chance to pick up the stock at a tarnal low price in the gloom of 2008.
3. Create a saving account and deposit every buck you squeeze out. The account can be utilized for your housing down payment④, graduate studies, a new car or for marriage settlement.
4. Start your own business, though the present job is not up to much. You'd better create networks in your field, join in Career Associates⑤, attend meetings and training classes, as well as study independently in order to be more competitive.
5. Establish a credit history in good standing. Go get a credit card⑥ if you do not have one. If you do have, repay on time. The credit card can be used only for things you can afford and for emergency purposes. Besides, you should pay up within the borrowing time limit.
6. If your company does not provide you with Medical Care Insurance⑦, get it by yourself. Minor accidents like breaking a leg may drive you to the wall if you can hardly make the ends meet. You may be in good hands if you got the Insurance, and it's inexpensive for the youth.
7. Keep your wits bout you when dealing real estate market. It might not be the optimum time, but it's already good enough for purchasing a house, furthermore, it will go on for some time. You may take a survey of housing, calculate the amount of the loan, and consider the house you can afford and like.
8. Learn to manage money. If you start investing at your twenties, still you will not catch up with Warren Buffett⑧, for he started it in his teens. However, you will be much seasoned when you get 35, and then you have plenty of time to make a profit with the built-up skills. You may take your time, but you should hang on to it.
9. Set comfort aside. You might think that you haven't lived a genuine life for an adult for long, yet you'd better put back it for another few years, for this will benefir you a lot.
10. Seek help. Even if you have tightened your belt, it might still be impossible for you to afford a house and invest in the Pension Insurance Account with your money in hand all at once. Do not forget your parents and their parents, for they might give you a leg up on things of pretty importance.
Source: Youth Literary Digest--Green/Written by Linda Stern