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家庭理财目标的重要性
生活中，促使家庭设定理财目标的原因多种多样，现将其中几种原因罗列如下：其一、理财目标既可促使你将注意力集中到一个期待的结果上，又可督促你不遗余力地去为之奋斗；其二、理财目标可助你权衡自己的收支情况；其三、理财目标可避免家庭财务状况脱离正常轨道。
归纳说来，家庭理财目标的设定应遵循以下几个原则：具体、现实、可测、可实现、有时间限制。如若不然，实现起来将会困难重重。那么，名列前茅的几个家庭理财计划究竟花落谁家呢？
第一、未雨绸缪
未雨绸缪应为每个家庭的首要理财目标。之所以将其列为第一目标，原因在于生活中往往会发生一些猝不及防的“天灾人祸”，提前做好应对措施还是比较重要的。话虽如此，但我们如何才能做到未雨绸缪？
1. 预备应急资金：为预防计划外开销，应急账户必不可少。应急基金可包括住院费用、汽车维修费、一场“说走就走”的旅行费、或无法回避的葬礼花销等等。建议最少预存6个月的应急基金，这样即便生活真的突现“惊喜”，最起码可避免“屋漏偏逢连夜雨”的尴尬境地。
家庭理财目标的重要性
生活中，促使家庭设定理财目标的原因多种多样，现将其中几种原因罗列如下：其一、理财目标既可促使你将注意力集中到一个期待的结果上，又可督促你不遗余力地去为之奋斗；其二、理财目标可助你权衡自己的收支情况；其三、理财目标可避免家庭财务状况脱离正常轨道。
归纳说来，家庭理财目标的设定应遵循以下几个原则：具体、现实、可测、可实现、有时间限制。如若不然，实现起来将会困难重重。那么，名列前茅的几个家庭理财计划究竟花落谁家呢？
第一、未雨绸缪
未雨绸缪应为每个家庭的首要理财目标。之所以将其列为第一目标，原因在于生活中往往会发生一些猝不及防的“天灾人祸”，提前做好应对措施还是比较重要的。话虽如此，但我们如何才能做到未雨绸缪？
1. 预备应急资金：为预防计划外开销，应急账户必不可少。应急基金可包括住院费用、汽车维修费、一场“说走就走”的旅行费、或无法回避的葬礼花销等等。建议最少预存6个月的应急基金，这样即便生活真的突现“惊喜”，最起码可避免“屋漏偏逢连夜雨”的尴尬境地。
2. 购买保险：对每个家庭而言，购买保险都是不可或缺的。这样一来，在应急资金不足以支撑时，保险便可以弥补部分资金缺口。购买保险时，建议对主要险种进行深思熟虑，诸如人身保险、健康保险、房屋保险、汽车保险、残疾保险等。
第二、储备退休金
家庭理财计划，应急基金排第一，储备退休金排第二。可能有人会提出异议，攒钱供子女上大学比储备退休金更为重要。可转念一想，若父母为自己储备退休金，这样便会减轻子女将来照顾年迈父母的负担。如此看来，储备退休金的优先级要更高一些。
那么问题来了，该如何储备退休金呢？简言之，储备退休金分两步走：第一步，锁定目标；第二步，敲定储蓄和退休计划并行动起来。
第三、攒钱供子女上大学
尽管储备退休金较为重要，但攒钱供子女上大学也不容忽视。虽然父母期待子女能够在大学费用的支付过程中贡献一份自己的力量，但想想子女还未入学便被大学的助学贷款压弯了腰，父母可真狠不下心“袖手旁观”。
既然母女决定攒钱供子女上大学，那么最好制定一个计划。在这方面，父母有很多选择，诸如开设一个教育储蓄账户、开启子女教育储蓄计划、甚至可以考虑开办罗斯退休储蓄账户等等。面对众多选择，父母可权衡自身情况然后择优选择，之后父母就可以尽早投身“攒钱供子女上大学”的事业中去了！
诚然，家庭为你的生命带来无尽的爱和欢乐，那么你也要担负起对爱人和子女的那份责任。重视家庭理财，设定合理目标并为之努力奋斗，这样你便会为将来的无忧生活打下坚实的基础。
原文：
Top 3 Financial Goals Every Parent Should Have for Their Family
While we were going through the process of getting ready for my wife to have the baby we started thinking about some changes that we were going to have to make in order to ensure we had a good financial future. We had to set financial goals that would help us to provide a good future not only for ourselves, but also for our newborn son.
Setting Financial Goals
There are a lot of reasons we should set financial goals. Here are a few of them:
1. Goals help you to keep your eyes on a desired result, and help you focus your efforts: When you have a goal you have something that you’re aiming for, and it can help to focus your efforts. You can plan your actions with the idea of forwarding your end goals.
2. Having a goal helps you to measure progress:Without having goals, how will you know how you’re doing? If you have a goal of saving $1 million for retirement by a certain age, you’ll be able to figure out how much you’ll need to save every month. It’s also a good way to monitor your progress.
3. Goals can keep you on track when things aren’t going quite right:When you have goals you can use them to help keep you on track when you review them at your regular budget meetings. Not saving enough? Focus on the goal and get back on track!
When setting those goals, make sure that they are SMART goals: specific, measurable, attainable, realistic and time-bound. If they aren’t, you may have a harder time achieving them.
So what are the top 3 financial goals I think every parent should have for their family?
Planning Ahead For A Rainy Day
The first thing I think all parents should do is plan ahead for a rainy day. What do I mean by that? I think it’s important to plan ahead for major negative life events that always seem to pop up when we least expect. How can you do that?
Saving Up For An Emergency Fund: One thing that is so important in my eyes is saving foran emergency fund to cover youin case of an unplanned expense. The emergency fund could cover hospital bills, automotive repairs or unplanned travel or funeral expenses. Saving up at least 3-6 months of expenses, if not more, can keep a negative life event from turning into an even bigger tragedy.
Getting Insurance:Every family should have insuranceto cover them in case of major events that might not otherwise be covered by an emergency fund. Make sure to look into all the main types of insurance including life insurance, health insurance, homeowner’s insurance, auto insurance, disability insurance and in some cases umbrella insurance.
Saving For Retirement
The second thing that I think is important for parents to do is to plan ahead for their own future, and save for retirement. Some people might say it’s more important to save for your child’s college education, but I think saving for your own retirement – so your kids don’t have to take care of you down the road – is even more important. Because of that I recommend parents setting retirement goals first, and making sure that their own retirement and saving goals are taken care of before college savings.
How can you do that? By setting up goals for retirement amounts you’ll need, and then implementing a plan to reach those goals through saving and investing. How you do that could be as simple as setting up a new Roth IRA through a company like Betterment.com and automatically depositing money money every month (like we have done), or by investing in your company’s 401(k). Figure out a goal, and then set a savings and investing plan in motion.
Saving For College Expenses
While I think saving for retirement is important, I also think it’s important tostart saving for your children’s education. We want our son to take an active role in paying for his own education, but we do want to help him out as well. We don’t want him to be crippled by school loan debt, as so many are these days.
Because of that we’ve put in place a plan to help save for our kid’s education. There are a lot of options for saving for an education including saving in an ESA, a 529 plan or even a Roth IRA.Make sure to research which options are best for your situation, and start saving for their education as soon as possible.
Conclusion
When you start a family it brings incalculable love and joy into your life, but with it you’ll also have added responsibility. Responsibility to yourselves, and your children. Make sure to put together a family financial plan, set goals, and work towards building a solid foundation that will pay off years down the road.
It’s common to wonder how much you are worth. Your first instinct is probably to tote up all of your assets and subtract your liabilities. That is your net worth, and one way to get a snapshot of your monetary.
栏目介绍：“洋视角”是理财频道新开设的一个栏目，栏目会定期从国外投资理财网站择优挑选一些优秀的投资理财方面的观点文章进行提炼和编译。帮助国内投资者了解到国外投资者最新的动向和观点，以期对国内投资者的投资理财有借鉴意义。
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