# 个人理财

20 多岁时要实现的 11 个个人理财目标 https://www.artofmanliness.com/career-wealth/wealth/personal-finance-goals-for-your-20s/

1. 开始学习如何进行个人理财
  - 有知有行
  - https://www.getrichslowly.org/ （https://www.getrichslowly.org/start-here/ ）
  - https://www.wisebread.com/
  - https://www.mrmoneymustache.com
  - https://robberger.com/
  - https://www.artofmanliness.com/career-wealth/wealth/5-best-personal-finance-books/
2. 制定预算 https://www.artofmanliness.com/career-wealth/wealth/how-to-create-a-budget/
3. 健康保险 https://www.artofmanliness.com/career-wealth/wealth/heading-out-on-your-own-a-young-mans-guide-to-health-insurance/
4. 设立应急资金
5. 消除信用卡债务
6. 每年查看一次信用报告
7. 开设个人养老金账户
8. 还学生贷款计划
9. 开启副业，打造多元收入
10. 练习谈判
11. 设定长期财务目标

### 问题

1. 什么是个人养老金账户？


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