The 4 Accounts That Will Make You Rich (Are You Using Them?)

2025/4/23

George Kamel

我建议大家只需要四个账户就能致富，而不是像TikTok和Instagram上说的那样需要很多账户。首先是活期账户，用于日常开销和支付账单，但我不建议把所有钱都放在这里，因为这样既错过复利增长的机会，也增加了欺诈风险。活期账户里只需要留够当月开销和少量缓冲资金即可。其次是高收益储蓄账户（HYSA），用于存放储蓄，安全增长复利，并且可以随时提取。高收益储蓄账户的利率远高于普通储蓄账户，可以让你在睡觉的时候也能赚钱。但它适合短期目标，例如购房首付，不适合长期投资。第三个账户是健康储蓄账户（HSA），这是一个可以帮助你免税支付医疗费用的储蓄账户。它具有三重税收优惠：供款免税，增长免税，合格医疗费用的提取免税。65岁后，即使用于非医疗费用，也可以提取，但需要缴税。最后一个账户是税收优惠的退休账户，例如401k、Roth IRA或Roth 401k，用于长期储蓄，在退休后提取。建议在还清债务并建立应急基金后，将15%的家庭总收入投资于此类账户。尽早开始投资，利用复利的力量，才能获得最大的财富增长。

Deep Dive

Chapters

This chapter introduces the concept of simplifying wealth building with only four accounts, debunks the complexity portrayed on social media, and emphasizes the importance of budgeting and using a checking account solely for spending, not saving. It introduces the EveryDollar app for budgeting.

Only four accounts are needed for wealth building
Checking accounts are for spending, not saving
Budgeting is crucial for financial management
EveryDollar app is recommended for budgeting

Shownotes Transcript

📈 Are you on track with the Baby Steps? Get a free personalized plan.)

What if I told you that—despite what FinTok claims—building wealth isn’t that complicated. In this episode, find out the only four accounts you need to make the most of your money.

Next Steps:

• 🎥** **Watch my video How Much You Should Have in Your 401(k)—by Age).

• 💰** **Find out what your earning potential could be with the Investment Calculator).

• 💵 Start your free budget today. Download the EveryDollar app!)

Connect With Our Sponsors:

• 🔒 Get 20% off when you join )DeleteMe).

• 💸 Learn more about opening a high-yield savings account with )Laurel Road).

Explore More From Ramsey Network:

🎙️ The Ramsey Show** **)

🍸 Smart Money Happy Hour) 💸 The Ramsey Show Highlights)

🧠 The Dr. John Delony Show)

💡 The Rachel Cruze Show)