[视频文本]
Financial freedom is about having the breathing room to live your life the way you want to. Learn how to have the financial freedom to do what you want.

You Will Need

*Savings
*Credit cards
*Budget
*Insurance

Step 1: Save for the long term 每月固定的存一笔钱
Put money aside for long-term savings. If you are working for a company, have money automatically deducted from your paycheck and deposited into your savings account.

Save as much as you can for the future without sacrificing today.

Step 2: Save for a rainy day 存钱，以备不时之需
Save for a rainy day. Have enough emergency money set aside to cover three to six months’ living expenses. In the event of a job loss, a car accident, or large medical bills, this money will carry you through.

Step 3: Minimize credit card debt 尽量少使用信用卡
Don’t accumulate large, high-interest credit card debts. Use cash for non-necessities and pay off your card each month.

Step 4: Live below your means 量入为出
Keep your expenses under control by living below your means. Set up a budget and stick to it.

Step 5: Carry insurance 购买保险
Carry medical, home, and disability insurance and make sure your policies are paid up. If you have a family, purchase life insurance. Now you should be able to weather whatever the winds of fortune blow your way.

Consumer credit card debt almost tripled from $238 billion in 1989 to $800 billion in 2005.

[重点讲解]

save vt. 节省；保存；储蓄；解救

That will save you twelve shillings a week.

那将可使你每星期节省十二先令。