{"id":530,"date":"2024-06-16T21:17:17","date_gmt":"2024-06-17T01:17:17","guid":{"rendered":"https:\/\/lttax.services\/ch\/?p=530"},"modified":"2025-07-21T14:38:31","modified_gmt":"2025-07-21T18:38:31","slug":"%e7%ae%97%e7%ae%97%e4%bd%a0%e9%9c%80%e8%a6%81%e5%a4%9a%e5%a4%a7%e4%bf%9d%e9%a2%9d%e7%9a%84%e4%ba%ba%e5%af%bf%e4%bf%9d%e9%99%a9","status":"publish","type":"post","link":"https:\/\/lttax.services\/ch\/%e4%bf%a1%e6%81%af%e5%88%86%e4%ba%ab\/%e7%ae%97%e7%ae%97%e4%bd%a0%e9%9c%80%e8%a6%81%e5%a4%9a%e5%a4%a7%e4%bf%9d%e9%a2%9d%e7%9a%84%e4%ba%ba%e5%af%bf%e4%bf%9d%e9%99%a9\/","title":{"rendered":"\u7b97\u7b97\u4f60\u9700\u8981\u591a\u5927\u4fdd\u989d\u7684\u4eba\u5bff\u4fdd\u9669"},"content":{"rendered":"\n<p>\u5f53\u4f60\u51b3\u5b9a\u8d2d\u4e70\u4eba\u5bff\u4fdd\u9669\u7684\u65f6\u5019\uff0c\u4f60\u53ef\u80fd\u4f1a\u7ea0\u7ed3\u5230\u5e95\u9700\u8981\u591a\u5927\u7684\u4fdd\u989d\u5462\uff1f\u8fd9\u8ddf\u4f60\u8ba1\u5212\u7684\u7528\u9014\u6709\u5173\uff0c\u4e5f\u8ddf\u4f60\u7684\u6536\u5165\u6709\u5173\u3002\u8fd9\u91cc\u6211\u6765\u4ecb\u7ecd\u51e0\u79cd\u5e38\u7528\u7684\u5bff\u9669\u4fdd\u989d\u7684\u4f30\u7b97\u65b9\u6cd5\uff1a<\/p>\n\n\n\n<p><strong><strong>\u6536\u5165\u500d\u6570<strong>\u6cd5\u5219<\/strong><\/strong><\/strong><\/p>\n\n\n\n<p>\u6536\u5165\u500d\u6570\u6cd5\u5219\u6bd4\u8f83\u7b80\u5355\u76f4\u63a5\uff1a\u6240\u9700\u5bff\u9669\u7684\u4fdd\u989d = \u88ab\u4fdd\u4eba\u73b0\u5728\u7684\u7a0e\u540e\u5e74\u6536\u5165\u4e58\u4ee5\u9884\u5b9a\u7684\u8fde\u7eed\u5de5\u4f5c\u5e74\u6570\uff08\u901a\u5e38\u630910-15\u6765\u8ba1\uff09\uff0c\u5b83\u7684\u539f\u7406\u662f\u7528\u4fdd\u9669\u7406\u8d54\u91d1\u6765\u66ff\u4ee3\u88ab\u4fdd\u4eba10-15\u5e74\u7684\u6536\u5165\u603b\u548c\uff0c\u4ee5\u786e\u4fdd\u5bb6\u5ead\u7684\u7ecf\u6d4e\u72b6\u51b5\u5728\u77ed\u671f\u5185\u4e0d\u53d1\u751f\u6025\u5267\u53d8\u5316\u3002\u6536\u5165\u500d\u6570\u6cd5\u5219\u53ea\u662f\u9884\u8ba1\u672a\u6765\u7684\u6536\u5165\uff0c\u6ca1\u8003\u8651\u5176\u4ed6\u56e0\u7d20\uff0c\u96be\u514d\u7c97\u7cd9\uff0c\u4f46\u7528\u6765\u4f30\u7b97\u8fd8\u662f\u6bd4\u8f83\u5feb\u901f\u6709\u6548\u3002<\/p>\n\n\n\n<p><strong>\u5bb6\u5ead\u9700\u6c42<strong>\u6cd5\u5219<\/strong><\/strong><\/p>\n\n\n\n<p>\u5bb6\u5ead\u9700\u6c42\u6cd5\u5219\u53c8\u53eb <strong>DIME \u6cd5\u5219<\/strong>\uff0c\u5b83\u7684\u8ba1\u7b97\u516c\u5f0f\u662f\uff1a\u6240\u9700\u5bff\u9669\u7684\u4fdd\u989d = \u5bb6\u5ead\u603b\u9700\u6c42\uff08D+I+M+E\uff09- \u73b0\u6709\u8d44\u4ea7\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D (debt)\uff1a<\/strong>\u73b0\u6709\u503a\u52a1\uff0c\u5305\u62ec\u5404\u79cd\u5916\u503a\uff0c\u4fe1\u7528\u5361\u6b20\u6b3e\uff0c\u6c7d\u8f66\u8d37\u6b3e\uff0c\u5b66\u751f\u8d37\u6b3e\u7b49\uff0c\u8fd8\u6709\u5404\u79cd\u4fdd\u9669\u8d39\u548c\u7a0e\u6b3e\u3002<\/li>\n\n\n\n<li><strong>I (income)\uff1a<\/strong>\u662f\u6307\u88ab\u4fdd\u4eba\u5728\u4e00\u5b9a\u5e74\u9650\u5185\uff08\u5bb6\u5ead\u6240\u9700\uff0c\u6216\u9000\u4f11\u4e4b\u524d\uff0c\u6216\u662f10-15\u5e74\uff09\u7528\u4e8e\u4f9b\u517b\u5bb6\u5ead\u751f\u6d3b\u7684\u6536\u5165\uff0c\u901a\u5e38\u53ef\u4ee5\u6309\u7167\u7a0e\u540e\u6536\u5165\u768460% &#8211; 80%\u6765\u8ba1\u3002<\/li>\n\n\n\n<li><strong>M (mortgage)\uff1a<\/strong>\u662f\u6307\u6240\u6709\u623f\u5730\u4ea7\u7684\u62b5\u62bc\u8d37\u6b3e\u4f59\u989d\u3002<\/li>\n\n\n\n<li><strong>E (education)\uff1a<\/strong>\u672a\u6210\u5e74\u5b69\u5b50\u4ece\u73b0\u5728\u76f4\u5230\u5927\u5b66\u6bd5\u4e1a\u7684\u6559\u80b2\u8d39\u7528\u3002<\/li>\n\n\n\n<li>\u73b0\u6709\u8d44\u4ea7\uff1a\u662f\u6307\u73b0\u91d1\uff0c\u5b58\u6b3e\uff0c\u6709\u4ef7\u8bc1\u5238\u7b49\uff0c\u53ef\u968f\u65f6\u5957\u73b0\u7684\u6295\u8d44\u6027\u7269\u4e1a\u7684\u8d44\u4ea7\u51c0\u503c\uff0c\u5df2\u6709\u7684\u4eba\u5bff\u4fdd\u9669\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5bb6\u5ead\u9700\u6c42\u6cd5\u5219\u76f8\u5bf9\u590d\u6742\u4e5f\u6bd4\u8f83\u5168\u9762\u5730\u8003\u8651\u4e86\u5404\u4e2a\u65b9\u9762\uff0c\u53ef\u4ee5\u4f5c\u4e3a\u7cbe\u786e\u4f30\u7b97\u4fdd\u989d\u7684\u65b9\u6cd5\u3002<\/p>\n\n\n\n<p>\u6700\u540e\u4ecb\u7ecd\u4e00\u79cd\u53eb <strong>1\/10 \u4fdd\u8d39\u6cd5\u5219<\/strong>\uff0c\u5373\u6bcf\u5e74\u7684\u4fdd\u8d39\u603b\u548c\u5c3d\u91cf\u63a7\u5236\u5728\u5bb6\u5ead\u7a0e\u540e\u5e74\u6536\u5165\u768410%\u5de6\u53f3\u3002\u4eba\u5bff\u4fdd\u9669\u7684\u521d\u8877\u662f\u98ce\u9669\u7684\u8f6c\u79fb\uff0c\u6211\u4eec\u90fd\u5e0c\u671b\u6709\u6700\u5927\u7684\u4fdd\u969c\uff0c\u5373\u4f7f\u610f\u5916\u53d1\u751f\u4e5f\u65e0\u540e\u987e\u4e4b\u5fe7\uff0c\u7136\u800c\u4e5f\u4e0d\u80fd\u56e0\u6b64\u627f\u62c5\u8fc7\u9ad8\u7684\u4fdd\u8d39\u7ed9\u73b0\u5728\u7684\u751f\u6d3b\u5e26\u6765\u592a\u5927\u7684\u538b\u529b\u3002\u7528\u73b0\u6709\u5bb6\u5ead\u6536\u5165\u768410%\u6765\u652f\u4ed8\u4fdd\u8d39\uff0c\u7531\u6b64\u6765\u63a8\u7b97\u4eba\u5bff\u4fdd\u9669\u7684\u4fdd\u989d\uff0c\u4e5f\u662f\u975e\u5e38\u5b9e\u9645\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u6b22\u8fce\u54a8\u8be2\uff1aFrank Lin @\u5927\u5510\u7a0e\u52a1<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5f53\u4f60\u51b3\u5b9a\u8d2d\u4e70\u4eba\u5bff\u4fdd\u9669\u7684\u65f6\u5019\uff0c\u4f60\u53ef\u80fd\u4f1a\u7ea0\u7ed3\u5230\u5e95\u9700\u8981\u591a\u5927\u7684\u4fdd\u989d\u5462\uff1f\u8fd9\u8ddf\u4f60\u8ba1\u5212\u7684\u7528\u9014\u6709\u5173\uff0c\u4e5f\u8ddf\u4f60\u7684\u6536\u5165\u6709\u5173\u3002\u8fd9\u91cc\u6211\u6765<\/p><\/div>\n<div class=\"blog-btn\"><a href=\"https:\/\/lttax.services\/ch\/%e4%bf%a1%e6%81%af%e5%88%86%e4%ba%ab\/%e7%ae%97%e7%ae%97%e4%bd%a0%e9%9c%80%e8%a6%81%e5%a4%9a%e5%a4%a7%e4%bf%9d%e9%a2%9d%e7%9a%84%e4%ba%ba%e5%af%bf%e4%bf%9d%e9%99%a9\/\" class=\"home-blog-btn\">\u9605\u8bfb\u66f4\u591a<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-530","post","type-post","status-publish","format-standard","hentry","category-1"],"_links":{"self":[{"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/posts\/530"}],"collection":[{"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/comments?post=530"}],"version-history":[{"count":19,"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/posts\/530\/revisions"}],"predecessor-version":[{"id":790,"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/posts\/530\/revisions\/790"}],"wp:attachment":[{"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/media?parent=530"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/categories?post=530"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/tags?post=530"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}