单身生活的财务问题
You are not just self-reliant but also self-funded.
Friends and relations can provide an emotional safety net, but when it comes to cold hard cash, you alone are responsible.
靠山山倒，靠水水流，尤其是涉及到金钱问题，最终还是要靠自己，所以单身的你还犹豫什么呢？
Dealing with finances is the final frontier of independence.
独立，首要的是要经济独立，才能做到各方面独立。
财务问题思考小tips：
1 How you treat money is a reflection of you
This is about your sense of who you are and what you deserve.
这点有鼓吹金钱至上的嫌疑？
2 What is important to you?
Money matters because it determines the options open to you and lessons the gap between where you are now and where you want to be.
你不是向往自由吗？不是不喜欢被人指手画脚吗？那么，如果金钱自由了，在一定程度上就可以任性安排自己的生活，比如在这浮躁的社会，你想结婚就可以坦然的选择独身生活，没人会对自己的生活安排有什么合理或不合理的建议。
金钱还是很有话语权的？！
3 How do you feel about money?
It is important to be clear about how you perceive money, as it informs our feelings and it is feelings that spur us to action.
虽然说原生家庭和个人成长环境对个人金钱观的影响根深蒂固，但在作者看来还是可以后期培养的，随着环境的变化和个人阅历的增加，金钱观也在不断的变化，要适时调整。
However you feel about money, acknowledge it and use it as an indicator to help define how you will approach your financial situation.
4 Adjust your mindset
Many women feel powerless when it comes to money.
It's important that you approach your Blueprint in the right frame of mind
It not only provides income and gives you the ability to borrow money to invest, but also gives you self-respect, makes you feel valued, engaged and useful and keeps your brain sharp.
关于这点，核心内容就是，好好工作，好好干活，争取涨薪、晋升机会，跳出生活舒适区。
Taking action is the way tokill fear.
5 Educate yourself
One of the best ways to increase your confidence about money is to learn more about personal finance such as the language and principles involved.
如果一点相关知识都没有，那么我们就从最基本的开始学习，渐渐往前推进。
And then push yourself with more complex strategies.
关于学习的书籍，作者强推Scott Pape的The Barefoot Investor。
6 Budgeting
Focus on the money you save, rather than the money you spend.
对日常花销要有预期和规划，不能今朝有酒今朝醉。
7 How long will your money last?
这项开始作者就抛出了个扎心的问题：
Knowledge is power and once you know how much money you have and how much you spend and owe, work out how long your money would last if you stopped working tomorrow.
这是我最不愿意想的问题，总以为车到山前必有路，何必现在折磨自己呢？殊不知，很多情况下是没路了，还是需要防患于未然的，居安思危何其重要？
8 Be smart with your money
The aim is to be financially organized and independent, living as you want(within sensible parameters), eventually without having to(or being able to) work.
作为单身的我们，对金钱的态度要比已婚的朋友更要敏感更要执着，我们只有自己可以依靠，不是吗？
9 Saving and investing
储蓄和投资双管齐下
10 Build a financial team
组建自己的投资智囊团
11 Essential document and backing up
记账，明白支出去向及花钱习惯，及时反馈，避免路走偏了
12 Taking Action
理论掌握的再多，不如立刻行动起来！
本章阅读心得：我是个财商超低的人，对金钱历来都是量入为出型，挣多少花多少，适当留点以备不时之需。但随着用钱的地方越来越多，我才发现留的太少了，又不会广开渠道去开源，每个月那点死工资，根本看不到希望，所以也不爱理财了。
看了这章内容后，感觉被燃起来了，是时候行动起来了！
take action right now！
