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1、毕业建议：从每天一杯牛奶咖啡开始ByDAMONDARLIN山东科技大学张英选注AdvicetoAllYouGraduates:Let’sStartWithThatDailyLattel...Thisistheseasonforgivingadvicetograduatesastheyentertheworkplace.Insteadoflisteningtoyetanotherrecitationoftheusualadmonishments2to“changetheworld”，“carpediem”
2、3,or“wearsunscreen，’’4thosegraduates—unlesstheyarealreadytrappedon5thenonpayinginternship6hamsterwheel7—needtohearhowtomanagetheirpaychecks.Collegegraduatesmaythankmomanddad,topleft,forhelpingwithtuition,buttheystillneedadviceonhowtohandleapaycheck.Small
3、steps—packingyourownlunch,forexample—canmakeabigdifferenceoverthefirst10yearsofaworkinglife.Parentsmayhavetriedthis.Andmanywillundoubtedlysendthisarticletotheirchildren.But,deargraduate,beforeyouwad8thisupandtossitnexttothekeg9stillsittingtherefromlastwe
4、ek’sparty,considerthis:Ifyouthinkitistoughlivingonverylittlenow,imaginewhatitwillbelikewhenyouareoldandsick.SurveyssaymostofyoualreadysuspectSocialSecuritywillnotbearoundaftermomanddaddcpletclOitsometimeduringyourpeakearningyears.ArecentsurveybythePewRes
5、earchCenterfoundthat61percentofAmericans18to29yearsoldfavoredasystemofprivatizedretirementsavingsaccounts.LetJsstartwiththeeasystufffirst.Makeyourowncoffee.YouprobablyknowyouspendalotatStarbucks,acompanythatcollected$6.4billionfromcoffeedrinkerslastyear.
6、Youprobablydon,thaveanyideahowmuchofthattotalcamefromyou.Acalculatoratwww.hughchou.org/calc/coffee.cgilet’syoufigurethatoutandalsoforecasthowmuchyouwillspendoveradecadeofcoffeebreaks.Sayyouspendjust$3.50everyworkdayforyourlatte.Ifyoudrankthefreeofficebre
7、w11instead,you’dhavemorethan$11,500toplaywithafter10years.Bythesamelogic,ifyousmoke,nowisagoodtimetoquit.Doingsowillsaveyouonaverage$25,600over10years.Learntocook.Unlessyouhavelearnedtheartofsneakingintoconferencesathotelstosnag12abreakfastcroissantorcoc
8、ktail-hourshrimp,youneedtoreduceyourdiningbudget.Atwice-a-weekkungpaochickenl3takeouthabitcaneasilydrainyouofabout$10,000over10years.Attheveryleast,learnhowtopackalunch.Takingyourlunchtoworkmayseemliketheequivalentofsittin
