{"id":87786,"date":"2023-03-30T06:11:00","date_gmt":"2023-03-29T22:11:00","guid":{"rendered":"https:\/\/farenguakao.com\/?p=87786"},"modified":"2024-06-15T13:05:30","modified_gmt":"2024-06-15T05:05:30","slug":"emergency-fund","status":"publish","type":"post","link":"https:\/\/farenguakao.com\/emergency-fund\/","title":{"rendered":"\u7dca\u6025\u9810\u5099\u91d1\u8981\u591a\u5c11\uff1f\u6bd4\u4f8b\u8a08\u7b97\u516c\u5f0f\u770b\u9019\u7bc7\uff01\u544a\u8a34\u4f60\u9810\u5099\u91d1\u7684\u91cd\u8981\u6027\uff01"},"content":{"rendered":"\n<p>\u7dca\u6025\u9810\u5099\u91d1\u662f\u4ec0\u9ebc\uff1f\u5927\u5bb6\u4e00\u5b9a\u90fd\u6709\u807d\u904e\u7dca\u6025\u9810\u5099\u91d1\u5427\uff0c\u4e0d\u904e\u9019\u7b46\u9810\u5099\u91d1\u8981\u591a\u5c11\uff1f\u8a72\u4f54\u6536\u5165\u7684\u6bd4\u4f8b\u70ba\u4f55\uff1f\u8a08\u7b97\u516c\u5f0f\u600e\u9ebc\u7b97\uff1f\u53ef\u4ee5\u5b58\u653e\u54ea\u88e1\uff1f\u5225\u64d4\u5fc3\uff0c\u6709\u95dc\u65bc\u7dca\u6025\u9810\u5099\u91d1\u7684\u5404\u7a2e\u7591\u554f\uff0c\u672c\u7bc7\u4e00\u4e00\u89e3\u7b54\uff01<\/p>\n\n\n\n<p>\u65e5\u5e38\u751f\u6d3b\u4e2d\u7684\u5404\u7a2e\u7a81\u767c\u72c0\u6cc1\uff0c\u50cf\u662f\u4f4f\u9662\u3001\u88ab\u8cc7\u9063\u7b49\uff0c\u81e8\u6642\u8981\u7528\u5230\u9322\u4f46\u662f\u6536\u5165\u90fd\u62ff\u53bb\u6295\u8cc7\u4e86\u5c31\u7121\u6cd5\u9762\u5c0d\u7dca\u6025\u7528\u5ea6\uff0c\u9019\u4e5f\u5c31\u662f\u7dca\u6025\u9810\u5099\u91d1\u7684\u91cd\u8981\u6027\uff01<\/p>\n\n\n\n\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_72 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u672c\u6587\u91cd\u9ede\u6bb5\u843d<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" 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href=\"https:\/\/farenguakao.com\/emergency-fund\/#%E7%B7%8A%E6%80%A5%E9%A0%90%E5%82%99%E9%87%91%E8%A6%81%E5%A4%9A%E5%B0%91%EF%BC%9F\" title=\"\u7dca\u6025\u9810\u5099\u91d1\u8981\u591a\u5c11\uff1f\">\u7dca\u6025\u9810\u5099\u91d1\u8981\u591a\u5c11\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/farenguakao.com\/emergency-fund\/#%E7%B7%8A%E6%80%A5%E9%A0%90%E5%82%99%E9%87%91%E5%AD%98%E5%93%AA%E8%A3%A1%EF%BC%9F\" title=\"\u7dca\u6025\u9810\u5099\u91d1\u5b58\u54ea\u88e1\uff1f\">\u7dca\u6025\u9810\u5099\u91d1\u5b58\u54ea\u88e1\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/farenguakao.com\/emergency-fund\/#%E7%B8%BD%E7%B5%90%E7%B7%8A%E6%80%A5%E9%A0%90%E5%82%99%E9%87%91%E7%9A%84%E9%87%8D%E8%A6%81%E6%80%A7%EF%BC%81\" title=\"\u7e3d\u7d50\u7dca\u6025\u9810\u5099\u91d1\u7684\u91cd\u8981\u6027\uff01\">\u7e3d\u7d50\u7dca\u6025\u9810\u5099\u91d1\u7684\u91cd\u8981\u6027\uff01<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/farenguakao.com\/emergency-fund\/#%E6%9C%89%E6%9B%B4%E5%A4%9A_%E8%B2%B8%E6%AC%BE_%E5%95%8F%E9%A1%8C%E6%83%B3%E8%AB%AE%E8%A9%A2%E8%A9%B2%E6%80%8E%E9%BA%BC%E5%81%9A%EF%BC%9F\" title=\"\u6709\u66f4\u591a \u8cb8\u6b3e \u554f\u984c\u60f3\u8aee\u8a62\u8a72\u600e\u9ebc\u505a\uff1f\">\u6709\u66f4\u591a \u8cb8\u6b3e \u554f\u984c\u60f3\u8aee\u8a62\u8a72\u600e\u9ebc\u505a\uff1f<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-\u7dca\u6025\u9810\u5099\u91d1\u662f\u4ec0\u9ebc\"><span class=\"ez-toc-section\" id=\"%E7%B7%8A%E6%80%A5%E9%A0%90%E5%82%99%E9%87%91%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F\"><\/span>\u7dca\u6025\u9810\u5099\u91d1\u662f\u4ec0\u9ebc\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u7dca\u6025\u9810\u5099\u91d1\u53c8\u53ef\u7a31\u70ba\u5b89\u5168\u5b58\u6b3e\uff08Contingency Allowance\uff0fEmergency Fund\uff09\u662f\u4e00\u7b46\u7528\u4f86\u4ee5\u5099\u4e0d\u6642\u4e4b\u9700\u3001\u9762\u81e8\u610f\u5916\u72c0\u6cc1\u6642\u7684\u6d41\u52d5\u8cc7\u91d1\u3002<\/p>\n\n\n\n<p>\u7dca\u6025\u9810\u5099\u91d1\u6c92\u6709\u4efb\u4f55\u5176\u4ed6\u7528\u9014\uff0c\u4e5f\u4e0d\u80fd\u7528\u65bc\u6295\u8cc7\uff0c\u5c31\u662f\u5b58\u653e\u5728\u96a8\u6642\u90fd\u80fd\u53d6\u7528\u4e4b\u8655\uff0c\u70ba\u4e86\u61c9\u4ed8\u610f\u60f3\u4e0d\u5230\u7684\u81e8\u6642\u610f\u5916\u72c0\u6cc1\u6642\u4f7f\u7528\u3002<\/p>\n\n\n\n<p>\u6709\u54ea\u4e9b\u662f\u9019\u7a2e\u610f\u60f3\u4e0d\u9053\u7684\u610f\u5916\u72c0\u6cc1\u5462\uff1f\u50cf\u662f\u751f\u75c5\u3001\u8eca\u798d\u3001\u906d\u5230\u89e3\u96c7\u5931\u696d\u3001\u690d\u7259\u3001\u88ab\u8a50\u9a19\u7b49\u7b49\uff0c\u9019\u4e9b\u4e8b\u60c5\u8aaa\u4e0d\u6e96\uff0c\u53ef\u80fd\u4e0d\u6703\u767c\u751f\u3001\u4f46\u662f\u4e00\u65e6\u767c\u751f\uff0c\u5c31\u662f\u9700\u8981\u4e00\u5927\u7b46\u8cc7\u91d1\uff0c\u7dca\u6025\u9810\u5099\u91d1\u5c31\u662f\u4ee5\u5099\u9019\u7a2e\u4e0d\u6642\u4e4b\u9700\u6240\u5b58\u5728\u7684\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%B7%8A%E6%80%A5%E9%A0%90%E5%82%99%E9%87%91%E8%A6%81%E5%A4%9A%E5%B0%91%EF%BC%9F\"><\/span>\u7dca\u6025\u9810\u5099\u91d1\u8981\u591a\u5c11\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u7dca\u6025\u9810\u5099\u91d1\u61c9\u8a72\u6e96\u5099\u591a\u5c11\u5462\uff1f\u9019\u4e5f\u662f\u76f8\u7576\u591a\u4eba\u7684\u7591\u554f\uff0c\u56e0\u70ba\uff0c\u5c31\u662f\u4e00\u7b46\u4e0d\u78ba\u5b9a\u7528\u9014\u7684\u958b\u92b7\uff0c\u4f8b\u5982\u690d\u7259\u8207\u88ab\u8a50\u9a19\uff0c\u9019\u5169\u8005\u6240\u9700\u7684\u61c9\u63f4\u91d1\u4e5f\u662f\u76f8\u53bb\u751a\u9060\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5efa\u8b70\u6e96\u5099\u7684\u7dca\u6025\u9810\u5099\u91d1\uff0c\u53ef\u4ee5\u7528\u6bcf\u500b\u6708\u7684\u5e73\u5747\u82b1\u8cbb\u4f86\u8a08\u7b97\uff0c\u4ee5\uff16\u500d\u7684\u6bcf\u500b\u6708\u7684\u5e73\u5747\u82b1\u8cbb\uff08\u4e5f\u5c31\u662f\u81f3\u5c11\u534a\u5e74\u7684\u5fc5\u9808\u82b1\u8cbb\uff09\u4f86\u9810\u4f30\u6703\u662f\u6bd4\u8f03\u57fa\u672c\u7684\u6578\u5b57\uff0c\u6216\u662f\uff0c\u5c07\u6bcf\u500b\u6708\u6536\u5165\u7684 5% &#8211; 10% \u56fa\u5b9a\u5b58\u5165\u7dca\u6025\u9810\u5099\u91d1\u7684\u5e33\u6236\u4e2d\uff0c\u4e5f\u662f\u8a31\u591a\u4eba\u9078\u64c7\u7684\u505a\u6cd5\u5594\uff01<\/p>\n\n\n\n<p>\u6bcf\u7576\u6709\u6536\u5165\uff0c\u5c31\u5c07\u5176\u5340\u5206\u70ba\u751f\u6d3b\u5fc5\u9808\u82b1\u8cbb\u3001\u7dca\u6025\u5099\u7528\u91d1\u3001\u9577\u671f\u6295\u8cc7\u57fa\u91d1\u3001\u65c5\u904a\u57fa\u91d1\u3001\u5b5d\u89aa\u8cbb\u7528\u7b49\uff0c\u66f4\u80fd\u5920\u5be6\u969b\u4e86\u89e3\u81ea\u5df1\u7684\u82b1\u8cbb\u6bd4\u4f8b\u3002\u4e5f\u53ef\u4ee5\u8a2d\u5b9a\u81ea\u52d5\u8f49\u5e33\uff0c\u6bcf\u500b\u6708\u56fa\u5b9a\u6263\u6b3e\u5f8c\uff0c\u4e0d\u77e5\u4e0d\u89ba\u5c31\u6703\u5b58\u4e00\u7b46\u56fa\u5b9a\u7684\u7dca\u6025\u5099\u7528\u91d1\u5566\uff01<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%B7%8A%E6%80%A5%E9%A0%90%E5%82%99%E9%87%91%E5%AD%98%E5%93%AA%E8%A3%A1%EF%BC%9F\"><\/span>\u7dca\u6025\u9810\u5099\u91d1\u5b58\u54ea\u88e1\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"900\" src=\"https:\/\/farenguakao.com\/wp-content\/uploads\/emergency-fund0722.jpg\" alt=\"\u7dca\u6025\u9810\u5099\u91d1\u5b58\u54ea\u88e1\uff1f\" class=\"wp-image-93340\" srcset=\"https:\/\/farenguakao.com\/wp-content\/uploads\/emergency-fund0722.jpg 900w, https:\/\/farenguakao.com\/wp-content\/uploads\/emergency-fund0722-300x300.jpg 300w, https:\/\/farenguakao.com\/wp-content\/uploads\/emergency-fund0722-150x150.jpg 150w, https:\/\/farenguakao.com\/wp-content\/uploads\/emergency-fund0722-768x768.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption class=\"wp-element-caption\">\u7dca\u6025\u9810\u5099\u91d1\u5b58\u54ea\u88e1\uff1f<\/figcaption><\/figure>\n\n\n\n<p>\u7dca\u6025\u9810\u5099\u91d1\u7684\u5b58\u653e\uff0c\u7d55\u5927\u591a\u6578\u4eba\u90fd\u662f\u653e\u5728\u6d3b\u5b58\u5229\u7387\u76f8\u5c0d\u9ad8\u7684\u9280\u884c\u5e33\u6236\uff0c\u91cd\u9ede\u662f\u300c\u96a8\u6642\u300d\u4e14\u300c\u5b89\u5168\u300d\uff0c\u5225\u60f3\u8457\u7528\u9019\u7b46\u9322\u4f86\u9577\u671f\u6295\u8cc7\u6216\u8cfa\u9322\uff0c\u9019\u5c31\u662f\u4e00\u7b46\u672a\u96e8\u7da2\u7e46\u7684\u61c9\u6025\u91d1\u3002\u5047\u5982\u662f\u53ef\u96a8\u6642\u89e3\u7d04\u7684\u5b9a\u5b58\u3001\u6216\u662f\u77ed\u671f\u7968\u5238\u7b49\uff0c\u4e5f\u662f\u53ef\u4ee5\u8003\u616e\u7684\u5b58\u653e\u65b9\u5f0f\u3002<\/p>\n\n\n\n<p><strong>\u279c \u63a8\u85a6\u7684\u9810\u5099\u91d1\u5b58\u653e\u8655<\/strong><\/p>\n\n\n\n<ul 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