爱华网摘录：当你的薪水并不高时，从现在开始为之后的50年存钱，可能在你的优先列表里并不重要。即使是薪水里的5%，你也会感觉像是一笔巨款——有人愿意将这笔钱花在为住更好的房子和开更好的车子上。但是这样想想：从23岁开始，即使你每个时期只存60美元，到你65岁退休的时候，你就存了超过35万美元了。
双语美文:20多岁的你还相信处在人生最美的时期么When you were a kid, you probably imagined what life would be like when you were finally done with school, living on your own, and earning your own money. Chances are you imagine it being a bit more fun than the reality — what’s with all of these bills that keep coming in, anyway?
The truth is, your 20s are often touted as the best time of your life, but quite a few people would take exception to that. Trying to figure out your career, money, relationships, and all of the other things that come with adulthood is enough to make you want to crawl back into your childhood bed and pull the covers over your head. The good news is that you will get through it, though, and if you keep a few pieces of advice in mind, your 20s actually can be the best time of your life.
孩提时，你可能会想象当你结束了校园生活，独自居住，自己赚钱养活自己的时候，生活会是什么样子。想象总是比现实有趣一些——究竟是为何有了这般想象呢?
事实是这样的，你20多岁的时光经常被赋予为生命中最好的年华，然而，能在这个阶段达到心之所向的人是很少的。作为成年人，你试着估算下自己的职业，金钱，人际关系，以及身边的其他东西，就会足以让你羞愧得想爬回孩童时期的床上，用被子捂住自己的头。尽管如此，如果你脑中有一些好的人生计划，你将会顺利度过这一起，你20多岁的年华也会真正成为生命中最美好的时光。
1.Take Your Career Seriously
“I’m keeping my options open.” How many times have you heard that? Or are you saying it yourself, as you bounce from job to job — or taking low-paying gigs — while you look for the next perfect opportunity? While on the one hand, your 20s is the time to try new things and figure out what you want to do when you “grow up,” it’s also when you’re building the foundation for your career going forward.
Author Meg Jay notes that your 20s are a defining period, since about 70 percent of wage growth happens in the first 10 years of your career. Now is the time to get serious and find the best job that you can. It also means putting in the time to expand your career options; for example, if you’ve decided on a career in nursing, now is the time to get that advanced degree to increase your earning power going forward and your attractiveness to employers.
认真对待你的职业
“我一直保持着开放的心态”这句话你听过多少次了?在你一次次跳槽，拿着低廉的薪水，寻求下一次完美的工作机会时，你对自己也说过这句话?然而从一个方面来说，你的二十多岁是去尝试新东西，弄清楚“成长”中，什么是你想要的时机，同样也是你建立事业根基的时候。
作家Meg Jay说到，你的20多岁一段决定性时光，因为有70%的工资增长发生在你职业生涯的前十年。现在是时候尽你所能严肃认真找到好工作了。这样意味着花时间扩大你的职业选择，比如，你已经决定了护士行业，现在就是时候提升硬件技能，吸引招聘人员的眼球。
2.Your Relationships Will Change — And That’s Okay
Your life and priorities are changing — and so are your friends. People are focusing on their careers, getting married, and (gasp!) having babies. As you move through your 20s, relationships will change, and you’ll probably see your circle of friends shrink. The good news, though, is that the friends you stay closest to are usually really great friends.
Writer Katie Racine calls this the “natural exodus” of friendship in your 20s, and it happens to everyone. So keep in touch with your old friends, but be open to new relationships — ones that don’t revolve around late-night keg parties and final exams.
你的人际关系会发生变化——没关系 这是正常的
你的生活，以及重要的事会发生变化——也包括你的朋友。大家会把注意力放在职业，婚姻和生小孩问题上。当你步入20多岁时，人家关系会发生变化，你也可能看到朋友圈“缩水”。尽管如此，好的方面是，那时与你走的最近的朋友才是真正的好朋友。
作家Katie Racine把这种现象称为20多岁时期的友谊“自然外流”现象，这种现象发生在每一个人身上。所以与你的老友保持联系，但是对新的关系保持开放心态——不要把重心放在深夜小型聚会和期末考试上。
3.Your Health Is Important — Guard It
It’s easy to think you’re invincible when you’re in your 20s. Many of the health issues that plague older people haven’t taken hold yet. But what you do now can prevent serious issues down the road. Not to mention, now that you’re responsible for paying for your own health care, you want to keep those costs down. That means doing your best to eat a healthy diet, making exercise a part of your life, and getting to know your doctor.
The American Academy of Family Physicians recommends that somethings see a doctor to get baseline measurements of their health to both identify potential problems in the future, and build a relationship with him or her, so you can feel comfortable getting help when you need it later.
你的健康非常重要——一定确保这一点
当你二十多岁的时候，你很容易认为自己坚不可摧。很多健康问题都困扰着老年人没法应对。那么现在你做的是预防在健康这条道路上会出现的严重问题。更不用说，你现在为自己买下的医疗保健保险，你想在这方面减少花费，这就意味着你应该膳食合理，业余时间要有锻炼，并且要拜访医生。
美国家庭医生学会表示，有时去看医生为了健康寻求基础性的办法，确定将来会出现的潜在问题，并且与医生们建立了友好关系，将来在你需要就健康问题寻求帮助时，你会意识到之前的准备会让你特别方便解决这些问题。
4.Save for Retirement
When your salary isn’t that high, the idea of saving money for 50 years from now might feel low on the priority list. Even just 5 percent of your salary feels like a big chunk of change — one that could be spent on a better apartment or car. But consider this: Starting at age 23, even if you put as little as $60 per pay period , by the time you retire at age 65, you could have more than $350,000.
If you start putting money away from your first paycheck, you won’t miss it, so just do it. when you are 70, you’ll thank your 23-year-old self.
为退休做储蓄
当你的薪水并不高时，从现在开始为之后的50年存钱，可能在你的优先列表里并不重要。即使是薪水里的5%，你也会感觉像是一笔巨款——有人愿意将这笔钱花在为住更好的房子和开更好的车子上。但是这样想想：从23岁开始，即使你每个时期只存60美元，到你65岁退休的时候，你就存了超过35万美元了。
如果你已经开始存第一笔钱了，就不要停下来，继续做下去。当你70岁的时候，你一定会感谢23岁的自己。
