自动储蓄

    财富让人入迷。人们喜欢看富有之人,心里想着他们的豪宅、豪华度假、精致汽车以及美食。但是如果你从这一点得出结论说人们花大量时间对自己财富的终生积累做出规划,那么你就错了。

    大多数人好像并不认真思考他们应该从收入中拿出多少用于储蓄,或者如果他们仅仅是现在调整储蓄水平,他们老来财富的差别可以有多大。大多数人仅仅是偿还房屋按揭贷款,交纳法定的国家或者私人养老金(如果他们有的话),再有存一些钱用于不时之需。大体就是如此。

    经济学家拉姆茨在其1928年发表的一篇著名文章中说到,人们对于他们今天的行为如何影响其自身的未来“缺乏想像”。他说,如果人们正确考虑这一问题,他们就会得出结论说他们应当把收入的一半用于储蓄。这样,积累下来的财富会让他们老来十分幸福。但是,在大多数情况下,他们甚至根本就不考虑这一可能性。

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