你的起点
I'm starting from $0
Little or no savings, struggling with expenses, possibly behind on bills.
先撑过去食物、住所、水电、医疗——优先保障这些。
稳定下来补缴重要账单，避免产生新的高息债务。
保存先存一笔启动缓冲金，再建立真正的应急基金。
少欠一点还清那些蚕食薪水的高息债务。
开始建立积累储蓄和技能；提高您的收入。
投资谨慎地让长期资金发挥作用。
从这里出发的五个步骤
1
Cover the essentials first
Food, housing, utilities, healthcare and a way to get to work come before every other money goal.
打开 →2
Find help you may qualify for
Assistance programs exist for exactly this moment. Checking costs nothing.
打开 →3
Bring in money quickly and legally
Sell, gig, day labor, plasma where appropriate — organized by how fast each pays.
打开 →4
Call creditors before you miss a bill
Hardship plans exist, but mostly for people who ask early.
打开 →5
这个阶段可用的工具
当这些感觉稳定时: 下一个阶段是
I'm living paycheck to paycheck — income is coming in but very little remains each month.