{"id":8550,"date":"2025-03-19T10:01:24","date_gmt":"2025-03-19T10:01:24","guid":{"rendered":"https:\/\/www.dztecs.com\/money\/?p=8550"},"modified":"2025-06-13T09:08:21","modified_gmt":"2025-06-13T06:08:21","slug":"how-much-of-my-paycheck-should-i-save","status":"publish","type":"post","link":"https:\/\/www.dztecs.com\/money\/how-much-of-my-paycheck-should-i-save\/","title":{"rendered":"\u0643\u0645 \u064a\u062c\u0628 \u0623\u0646 \u062a\u062f\u062e\u0631 \u0645\u0646 \u0631\u0627\u062a\u0628\u0643\u061f","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\r\n<h3 class=\"wp-block-heading rds-Heading_1 u-spacingBlockMd\">\u0627\u0644\u0646\u0642\u0627\u0637 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629<\/h3>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>\u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u0627\u0644\u062a\u0648\u0635\u064a\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0647\u064a \u062a\u0648\u0641\u064a\u0631 20% \u0645\u0646 \u0631\u0627\u062a\u0628\u0643\u060c \u0625\u0644\u0627 \u0623\u0646 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u062a\u0648\u0641\u064a\u0631\u0647 \u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0648\u0636\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062d\u0627\u0644\u064a \u0648\u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/li>\r\n\r\n\r\n\r\n<li>\u0644\u062a\u062d\u062f\u064a\u062f \u0645\u0642\u062f\u0627\u0631 \u062f\u062e\u0644\u0643 \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u062a\u0648\u0641\u064a\u0631\u0647\u060c \u062d\u062f\u062f \u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u0623\u0646\u062a \u0639\u0644\u064a\u0647\u0627\u060c \u0648\u0636\u0639 \u0647\u062f\u0641\u064b\u0627 \u0645\u062d\u062f\u062f\u064b\u0627 \u0644\u0644\u0627\u062f\u062e\u0627\u0631\u060c \u0648\u0627\u062d\u0633\u0628 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u062a\u0648\u0641\u064a\u0631\u0647 \u0645\u0646 \u0643\u0644 \u0631\u0627\u062a\u0628.<\/li>\r\n\r\n\r\n\r\n<li>\u064a\u0645\u0643\u0646\u0643 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0643\u0644 \u0631\u0627\u062a\u0628 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0648\u0636\u0639 \u0645\u064a\u0632\u0627\u0646\u064a\u0629\u060c \u0648\u062e\u0641\u0636 \u0627\u0644\u0646\u0641\u0642\u0627\u062a\u060c \u0648\u0627\u0644\u062a\u062e\u0644\u0635 \u0645\u0646 \u0627\u0644\u062f\u064a\u0648\u0646\u060c \u0648\u0632\u064a\u0627\u062f\u0629 \u062f\u062e\u0644\u0643\u060c \u0648\u062a\u0639\u062f\u064a\u0644 \u062e\u0635\u0648\u0645\u0627\u062a\u0643 \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>\u0647\u0644 \u062a\u0634\u0639\u0631 \u0628\u0623\u0646 \u0631\u0627\u062a\u0628\u0643 \u064a\u062e\u062a\u0641\u064a \u0642\u0628\u0644 \u0623\u0646 \u062a\u062a\u0645\u0643\u0646 \u062d\u062a\u0649 \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u0645\u062a\u0627\u0639 \u0628\u0647\u061f \u0641\u064a \u0644\u062d\u0638\u0629 \u0648\u0627\u062d\u062f\u0629 \u064a\u0635\u0644 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628\u0643\u060c \u0648\u0641\u064a \u0627\u0644\u0644\u062d\u0638\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 &#8211; \u064a\u0646\u0641\u0642 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0648\u0627\u0644\u0628\u0642\u0627\u0644\u0629 \u0648\u062a\u0644\u0643 \u0627\u0644\u0646\u0641\u0642\u0627\u062a &#8220;\u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629&#8221; \u0627\u0644\u062a\u064a \u062a\u0638\u0647\u0631 \u0645\u0646 \u0627\u0644\u0639\u062f\u0645. \u0645\u0646 \u0627\u0644\u0633\u0647\u0644 \u0623\u0646 \u062a\u062a\u0633\u0627\u0621\u0644 \u0639\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0627\u0644 \u0645\u0645\u0643\u0646\u064b\u0627 \u0623\u0645 \u0644\u0627.<\/p>\r\n\r\n\r\n\r\n<p>\u0648\u0644\u0643\u0646 \u0625\u0644\u064a\u0643 \u0627\u0644\u0623\u0645\u0631: \u0625\u064a\u062c\u0627\u062f \u0647\u0627\u0645\u0634 \u0644\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0627\u0644 \u0645\u0646 \u0643\u0644 \u0631\u0627\u062a\u0628 \u0647\u0648 <em>\u0627\u0644\u0623\u0633\u0627\u0633<\/em> \u0644\u0644\u0634\u0639\u0648\u0631 \u0628\u0627\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641\u0643.<\/p>\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-8552\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/how-much-of-my-paycheck-should-i-save-e1742378275767-1024x476.jpg\" alt=\"\" \/ width=\"1024\" height=\"476\"><\/figure>\r\n<\/div>\r\n\r\n\r\n<p>\u0625\u0630\u0646\u060c \u0645\u0627 \u0645\u0642\u062f\u0627\u0631 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u062a\u0648\u0641\u064a\u0631\u0647\u061f \u0628\u064a\u0646\u0645\u0627 \u064a\u062d\u0628 \u0627\u0644\u0646\u0627\u0633 \u0627\u0644\u062a\u0631\u0648\u064a\u062c \u0644\u0642\u0627\u0639\u062f\u0629 \u062a\u0648\u0641\u064a\u0631 20%\u060c \u0625\u0644\u0627 \u0623\u0646 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u062a\u0648\u0641\u064a\u0631\u0647 \u0645\u0646 \u0643\u0644 \u0631\u0627\u062a\u0628 \u064a\u0639\u062a\u0645\u062f \u062d\u0642\u064b\u0627 \u0639\u0644\u0649 \u0648\u0636\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062d\u0627\u0644\u064a \u0648\u0646\u0645\u0637 \u062d\u064a\u0627\u062a\u0643.<\/p>\r\n\r\n\r\n\r\n<p>\u0633\u0648\u0627\u0621 \u0643\u0646\u062a \u062a\u0639\u0645\u0644 \u0639\u0644\u0649 \u0628\u0646\u0627\u0621 \u0635\u0646\u062f\u0648\u0642 \u0637\u0648\u0627\u0631\u0626 \u0623\u0648 \u062a\u062f\u062e\u0631 \u0644\u0644\u062a\u0642\u0627\u0639\u062f\u060c \u0633\u0623\u0633\u0627\u0639\u062f\u0643 \u0641\u064a \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u062a\u0648\u0641\u064a\u0631\u0647 \u0645\u0646 \u0643\u0644 \u0631\u0627\u062a\u0628. \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u0644\u062f\u064a \u0628\u0639\u0636 \u0627\u0644\u0637\u0631\u0642 \u0644\u0628\u062f\u0621 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 <em>\u0627\u0644\u0622\u0646<\/em>. \u0644\u0646\u0628\u062f\u0623!<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u0643\u0645 \u064a\u062c\u0628 \u0623\u0646 \u0623\u062f\u0651\u062e\u0631 \u0645\u0646 \u0631\u0627\u062a\u0628\u064a\u061f<\/h2>\r\n\r\n\r\n\r\n<p>\u0644\u0627 \u062a\u0648\u062c\u062f \u0646\u0633\u0628\u0629 \u062b\u0627\u0628\u062a\u0629 \u0648\u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0644\u062c\u0645\u064a\u0639 \u062d\u0648\u0644 \u0643\u0645 \u064a\u062c\u0628 \u0623\u0646 \u062a\u062f\u0651\u062e\u0631 \u0645\u0646 \u0631\u0627\u062a\u0628\u0643. \u064a\u0642\u0633\u0645 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0645\u0627\u0644 \u0628\u0623\u0646\u0643 \u064a\u062c\u0628 \u0623\u0646 \u062a\u062f\u0651\u062e\u0631 20% \u0645\u0646 \u0631\u0627\u062a\u0628\u0643 \u0634\u0647\u0631\u064a\u064b\u0627 \u0645\u0647\u0645\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0638\u0631\u0648\u0641. \u0648\u0644\u0643\u0646 \u0641\u064a \u0627\u0644\u0648\u0627\u0642\u0639\u060c \u064a\u0639\u062a\u0645\u062f \u0627\u0644\u0623\u0645\u0631 \u0628\u0634\u0643\u0644 \u0623\u0643\u0628\u0631 \u0639\u0644\u0649 \u0648\u0636\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062d\u0627\u0644\u064a.<\/p>\r\n\r\n\r\n\r\n<p>\u0631\u0628\u0645\u0627 \u0633\u0645\u0639\u062a \u0628\u0642\u0627\u0639\u062f\u0629 <a href=\"https:\/\/www.dztecs.com\/money\/budgeting-tips\/\" target=\"_blank\" rel=\"noreferrer noopener\">50\/30\/20<\/a>\u060c \u062d\u064a\u062b \u062a\u0642\u0633\u0651\u0645 \u062f\u062e\u0644\u0643 \u0625\u0644\u0649 \u062b\u0644\u0627\u062b \u0641\u0626\u0627\u062a: \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a (50%)\u060c \u0648\u0627\u0644\u0631\u063a\u0628\u0627\u062a (30%)\u060c \u0648\u0627\u0644\u0627\u062f\u062e\u0627\u0631 (20%). \u062d\u0633\u0646\u064b\u0627\u060c \u0642\u062f \u064a\u0643\u0648\u0646 \u0647\u0630\u0627 \u0647\u062f\u0641\u064b\u0627 \u062c\u064a\u062f\u064b\u0627 \u0644\u0644\u0627\u062f\u062e\u0627\u0631. \u0644\u0643\u0646 \u0647\u0644 \u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628 \u0648\u0627\u0642\u0639\u064a\u0629 \u0641\u0639\u0644\u0627\u064b\u061f<\/p>\r\n\r\n\r\n\r\n<p>\u0623\u0648\u0644\u0627\u064b\u060c \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u062f\u064a\u0648\u0646\u060c \u0641\u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0644\u0627 \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u062d\u0643\u0645\u0629 \u0625\u0646\u0641\u0627\u0642 30% \u0645\u0646 \u062f\u062e\u0644\u0643 \u0639\u0644\u0649 <em>\u0627\u0644\u0631\u063a\u0628\u0627\u062a<\/em>. \u0623\u0648 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u062f\u0651\u062e\u0631 \u0644\u062f\u0641\u0639\u0629 \u0623\u0648\u0644\u0649 \u0644\u0634\u0631\u0627\u0621 \u0645\u0646\u0632\u0644\u060c \u0641\u0642\u062f \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0627\u062f\u062e\u0627\u0631 \u0623\u0643\u062b\u0631 \u0645\u0646 20%.<\/p>\r\n\r\n\r\n\r\n<p>\u062a\u0628\u062f\u0648 \u0642\u0627\u0639\u062f\u0629 50\/30\/20 \u0648\u0627\u0644\u0637\u0631\u0642 \u0627\u0644\u0645\u0645\u0627\u062b\u0644\u0629 \u0644\u0644\u0627\u062f\u062e\u0627\u0631 \u0645\u0641\u064a\u062f\u0629\u060c \u0644\u0643\u0646\u0647\u0627 \u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629 \u063a\u064a\u0631 \u0643\u0627\u0641\u064a\u0629. \u0641\u0647\u064a \u0644\u0627 \u062a\u0623\u062e\u0630 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0648\u0636\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062e\u0627\u0635.<\/p>\r\n\r\n\r\n\r\n<p>\u0644\u0630\u0627\u060c \u0628\u0639\u062f \u0623\u0646 \u0627\u0633\u062a\u0628\u0639\u062f\u0646\u0627 \u0630\u0644\u0643\u060c \u062f\u0639\u0648\u0646\u0627 \u0646\u062a\u062d\u062f\u062b \u0639\u0646 \u0643\u064a\u0641\u064a\u0629 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0644\u0643 \u0644\u0644\u0627\u062f\u062e\u0627\u0631. \u064a\u062c\u0628 \u0623\u0646 \u062a\u0631\u0627\u0639\u064a \u0639\u0648\u0627\u0645\u0644 \u0645\u062b\u0644 \u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u0642\u0635\u064a\u0631\u0629 \u0623\u0648 \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644)\u060c \u0648\u0645\u0642\u062f\u0627\u0631 \u062f\u062e\u0644\u0643\u060c \u0648\u0646\u0641\u0642\u0627\u062a\u0643 \u0627\u0644\u0634\u0647\u0631\u064a\u0629 \u0627\u0644\u062b\u0627\u0628\u062a\u0629.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u062d\u062f\u062f \u0645\u0642\u062f\u0627\u0631 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0645\u0646 \u0643\u0644 \u0631\u0627\u062a\u0628<\/h2>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">1. \u0627\u0639\u0631\u0641 \u062e\u0637\u0648\u062a\u0643 \u0627\u0644\u0623\u0648\u0644\u0649.<\/h3>\r\n\r\n\r\n\r\n<p>\u064a\u0639\u062a\u0645\u062f \u0645\u0642\u062f\u0627\u0631 \u0645\u0627 \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0627\u062f\u062e\u0627\u0631\u0647 \u0645\u0646 \u0631\u0627\u062a\u0628\u0643 \u0628\u0634\u0643\u0644 \u0623\u0633\u0627\u0633\u064a \u0639\u0644\u0649 Baby Step \u062e\u0627\u0635\u062a\u0643. \u0644\u0627 \u062a\u0642\u0644\u0642 &#8211; \u0625\u0630\u0627 \u0644\u0645 \u062a\u0633\u0645\u0639 \u0645\u0646 \u0642\u0628\u0644 \u0639\u0646 Baby Steps\u060c \u0641\u0633\u0623\u0634\u0631\u062d\u0647\u0627 \u0644\u0643 \u0627\u0644\u0622\u0646.<\/p>\r\n\r\n\r\n\r\n<p>Baby Step 1: \u0627\u062f\u0651\u062e\u0631 1,000 \u062f\u0648\u0644\u0627\u0631 \u0644\u0635\u0646\u062f\u0648\u0642 \u0637\u0648\u0627\u0631\u0626\u0643 \u0627\u0644\u0623\u0648\u0644\u064a.<br \/>Baby Step 2: \u0633\u062f\u062f \u062c\u0645\u064a\u0639 \u062f\u064a\u0648\u0646\u0643 (\u0628\u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u0645\u0646\u0632\u0644) \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0637\u0631\u064a\u0642\u0629 \u0643\u0631\u0629 \u0627\u0644\u062b\u0644\u062c.<br \/>Baby Step 3: \u0627\u062f\u0651\u062e\u0631 \u0645\u0646 3 \u0625\u0644\u0649 6 \u0623\u0634\u0647\u0631 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0637\u0648\u0627\u0631\u0626 \u0643\u0627\u0645\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644.<br \/>Baby Step 4: \u0627\u0633\u062a\u062b\u0645\u0631 15% \u0645\u0646 \u062f\u062e\u0644 \u0623\u0633\u0631\u062a\u0643 \u0641\u064a \u0627\u0644\u062a\u0642\u0627\u0639\u062f.<br \/>Baby Step 5: \u0627\u062f\u0651\u062e\u0631 \u0644\u0635\u0646\u062f\u0648\u0642 \u062a\u0639\u0644\u064a\u0645 \u0623\u0637\u0641\u0627\u0644\u0643 \u0627\u0644\u062c\u0627\u0645\u0639\u064a.<br \/>Baby Step 6: \u0633\u062f\u062f \u0642\u0631\u0636 \u0645\u0646\u0632\u0644\u0643 \u0645\u0628\u0643\u0631\u064b\u0627.<br \/>Baby Step 7: \u0627\u0628\u0646\u0650 \u062b\u0631\u0648\u062a\u0643 \u0648\u062a\u0635\u062f\u0642.<\/p>\r\n\r\n\r\n\r\n<p>\u0625\u0646 7 Baby Steps \u0647\u064a \u0627\u0644\u062e\u0637\u0629 \u0627\u0644\u0645\u064f\u062c\u0631\u0651\u0628\u0629 \u0644\u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0639\u0644\u0649 \u0627\u0644\u0646\u062c\u0627\u062d \u0627\u0644\u0645\u0627\u0644\u064a. \u0644\u0623\u0646\u0647 \u0639\u0646\u062f\u0645\u0627 \u062a\u064f\u0631\u0643\u0651\u0632 \u0639\u0644\u0649 \u0647\u062f\u0641 \u0648\u0627\u062d\u062f \u0641\u064a \u0643\u0644 \u0645\u0631\u0629 \u0648\u062a\u0646\u0641\u0630\u0647 \u0628\u0627\u0644\u062a\u0631\u062a\u064a\u0628 \u0627\u0644\u0635\u062d\u064a\u062d\u060c \u0641\u0645\u0646 \u0627\u0644\u0645\u0631\u062c\u062d \u0623\u0646 \u062a\u064f\u062d\u0631\u0632 \u062a\u0642\u062f\u0645\u064b\u0627.<\/p>\r\n\r\n\r\n\r\n<p>\u0648\u0647\u0630\u0627 \u064a\u0639\u0645\u0644 \u062d\u0642\u064b\u0627! \u0644\u0642\u062f \u0627\u062a\u0628\u0639\u062a \u0623\u0646\u0627 \u0648\u0632\u0648\u062c\u064a\u060c \u0633\u0627\u0645\u060c \u0647\u0630\u0647 \u0627\u0644\u062e\u0637\u0648\u0627\u062a. \u0644\u0645 \u0646\u0633\u062f\u062f \u0641\u0642\u0637 460,000 \u062f\u0648\u0644\u0627\u0631 \u0645\u0646 \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u0629\u060c \u0628\u0644 \u0623\u0635\u0628\u062d\u0646\u0627 \u0623\u064a\u0636\u064b\u0627 \u0645\u0644\u064a\u0648\u0646\u064a\u0631\u0627\u062a Baby Steps!<\/p>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">\u0643\u0645 \u064a\u062c\u0628 \u0623\u0646 \u062a\u062f\u062e\u0631 \u0641\u064a \u0643\u0644 \u062e\u0637\u0648\u0629 \u0635\u063a\u064a\u0631\u0629\u061f<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0635\u063a\u064a\u0631\u0629 1:<\/strong> \u0647\u062f\u0641\u0643 \u0647\u0648 \u062a\u0648\u0641\u064a\u0631 1,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0628\u0623\u0633\u0631\u0639 \u0645\u0627 \u064a\u0645\u0643\u0646. \u0648\u0645\u0639\u0638\u0645 \u0627\u0644\u0646\u0627\u0633 \u0642\u0627\u062f\u0631\u0648\u0646 \u0639\u0644\u0649 \u062c\u0645\u0639 1,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0643\u0627\u0645\u0644\u0629 \u0641\u064a 30 \u064a\u0648\u0645\u064b\u0627 (\u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0646 \u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0630\u0644\u0643 \u0644\u0627\u062d\u0642\u064b\u0627). \u0647\u0630\u0627 \u0627\u0644\u0645\u0628\u0644\u063a \u064a\u0643\u0641\u064a \u0644\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0645\u0639\u0638\u0645 \u062d\u0627\u0644\u0627\u062a \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u062d\u062a\u0649 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0628\u0633\u0631\u0639\u0629 \u0625\u0644\u0649 \u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629. \u0625\u0646 \u0627\u0645\u062a\u0644\u0627\u0643 1,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0641\u0642\u0637 \u064a\u0633\u0627\u0639\u062f\u0643 \u062d\u0642\u064b\u0627 \u0641\u064a \u0645\u0639\u0631\u0641\u0629 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0645\u0648\u0642\u0641 \u062d\u0627\u0644\u0629 \u0637\u0627\u0631\u0626\u0629\u060c \u0623\u0648 \u0634\u064a\u0626\u064b\u0627 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0646\u062a\u0638\u0631\u060c \u0623\u0648 \u0634\u064a\u0626\u064b\u0627 \u064a\u0645\u0643\u0646\u0643 \u062d\u0644\u0647 \u0628\u062a\u0643\u0644\u0641\u0629 \u0623\u0642\u0644.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0635\u063a\u064a\u0631\u0629 2:<\/strong> \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062e\u0637\u0648\u0629\u060c \u0644\u0627 \u062a\u062f\u062e\u0631 \u0627\u0644\u0645\u0627\u0644 \u0645\u0646 \u0631\u0627\u062a\u0628\u0643. \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0630\u0644\u0643\u060c \u064a\u0630\u0647\u0628 \u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u0625\u0636\u0627\u0641\u064a \u0645\u0646 \u0631\u0627\u062a\u0628\u0643 \u0646\u062d\u0648 \u0627\u0644\u062a\u062e\u0644\u0635 \u0645\u0646 \u062f\u064a\u0648\u0646\u0643. \u0648\u0645\u0646 \u0623\u062c\u0644 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0630\u0644\u0643\u060c \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062a\u062e\u0641\u064a\u0636 \u0645\u062f\u062e\u0631\u0627\u062a\u0643 \u0625\u0644\u0649 1,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0627\u0644\u062a\u064a \u062a\u062d\u062f\u062b\u0646\u0627 \u0639\u0646\u0647\u0627 \u0644\u0644\u062a\u0648 \u0648\u062a\u062e\u0635\u064a\u0635 \u0623\u064a \u0623\u0645\u0648\u0627\u0644 <em>\u0625\u0636\u0627\u0641\u064a\u0629<\/em> \u0627\u062f\u062e\u0631\u062a\u0647\u0627 \u0644\u0633\u062f\u0627\u062f \u062f\u064a\u0648\u0646\u0643. <em>\u0645\u0624\u0644\u0645\u060c \u0623\u0639\u0644\u0645<\/em>. \u0644\u0643\u0646 \u062b\u0642 \u0628\u064a\u060c \u0647\u0630\u0647 \u0647\u064a \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062a\u064a \u062a\u062d\u0631\u0632 \u0628\u0647\u0627 \u062a\u0642\u062f\u0645\u064b\u0627!<br \/>\r\n<p>\u0627\u0644\u0622\u0646\u060c \u0647\u0646\u0627\u0643 \u0623\u0648\u0642\u0627\u062a \u0642\u062f \u062a\u062d\u062a\u0627\u062c \u0641\u064a\u0647\u0627 \u0625\u0644\u0649 \u0625\u064a\u0642\u0627\u0641 \u0633\u062f\u0627\u062f \u062f\u064a\u0648\u0646\u0643 \u0645\u0624\u0642\u062a\u064b\u0627 \u0644\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0627\u0644 \u0644\u0645\u0648\u0642\u0641 \u062d\u064a\u0627\u062a\u064a \u0645\u0639\u064a\u0646. \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0623\u0632\u0645\u0629 (\u0641\u0642\u062f\u0627\u0646 \u0627\u0644\u0648\u0638\u064a\u0641\u0629\u060c \u0623\u0648 \u062d\u0627\u0644\u0629 \u0637\u0628\u064a\u0629 \u0637\u0627\u0631\u0626\u0629\u060c \u0648\u0645\u0627 \u0625\u0644\u0649 \u0630\u0644\u0643) \u0623\u0648 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u0637\u0641\u0644 \u0641\u064a \u0627\u0644\u0637\u0631\u064a\u0642\u060c \u0641\u0623\u0646\u062a \u062a\u0631\u064a\u062f \u062a\u0648\u0641\u064a\u0631 \u0623\u0643\u0628\u0631 \u0642\u062f\u0631 \u0645\u0645\u0643\u0646 \u0645\u0646 \u0627\u0644\u0645\u0627\u0644. \u0623\u0633\u0645\u064a \u0647\u0630\u0627 &#8220;\u0648\u0636\u0639 \u0627\u0644\u0639\u0627\u0635\u0641\u0629&#8221; \u0623\u0648 &#8220;\u0648\u0636\u0639 \u0627\u0644\u0644\u0642\u0644\u0642&#8221;. \u0641\u0642\u0637 \u062a\u0623\u0643\u062f \u0645\u0646 \u0627\u0644\u0639\u0648\u062f\u0629 \u0625\u0644\u0649 \u0627\u0644\u0645\u0633\u0627\u0631 \u0627\u0644\u0635\u062d\u064a\u062d 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src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/talk-to-a-dave-ramsey-financial-coach.png\" alt=\"\" \/ width=\"694\" height=\"451\"><\/figure>\r\n<\/div>\r\n\r\n\r\n<h3 class=\"wp-block-heading rds-Heading_1\">\u0647\u0644 \u0644\u062f\u064a\u0643 \u0623\u0633\u0626\u0644\u0629 \u0645\u0627\u0644\u064a\u0629\u061f<\/h3>\r\n\r\n\r\n\r\n<p>\u0627\u062d\u0635\u0644 \u0639\u0644\u0649 \u0625\u062c\u0627\u0628\u0627\u062a \u0645\u064f\u062e\u0635\u0635\u0629 \u0644\u0648\u0636\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0641\u0631\u064a\u062f \u0645\u0646 \u0645\u064f\u062f\u0631\u0628 \u0645\u0627\u0644\u064a \u0645\u064f\u062e\u062a\u0635.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">3. \u062d\u0633\u0627\u0628 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0631\u0627\u062f \u0627\u062f\u062e\u0627\u0631\u0647 \u0644\u0643\u0644 \u0631\u0627\u062a\u0628.<\/h3>\r\n\r\n\r\n\r\n<p>\u0628\u0645\u062c\u0631\u062f \u062a\u062d\u062f\u064a\u062f \u0647\u062f\u0641 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643\u060c \u0641\u0642\u062f \u062d\u0627\u0646 \u0627\u0644\u0648\u0642\u062a \u0644\u062a\u0642\u0633\u064a\u0645\u0647 \u0648\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0631\u0627\u062f \u0627\u062f\u062e\u0627\u0631\u0647 \u0645\u0646 \u0643\u0644 \u0631\u0627\u062a\u0628. \u0623\u0648\u0644\u0627\u064b\u060c \u062d\u062f\u062f \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0627\u062f\u062e\u0627\u0631\u0647 \u0634\u0647\u0631\u064a\u064b\u0627. \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0625\u0630\u0627 \u0643\u0627\u0646 \u0647\u062f\u0641\u0643 \u0647\u0648 \u0627\u062f\u062e\u0627\u0631 12,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0644\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0627\u0644\u0643\u0627\u0645\u0644 \u0648\u062a\u0631\u064a\u062f \u0625\u0646\u062c\u0627\u0632 \u0630\u0644\u0643 \u0641\u064a \u0633\u062a\u0629 \u0623\u0634\u0647\u0631\u060c \u0641\u0633\u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0627\u062f\u062e\u0627\u0631 2,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0634\u0647\u0631\u064a\u064b\u0627.<\/p>\r\n\r\n\r\n\r\n<p>\u0628\u0639\u062f \u0630\u0644\u0643\u060c \u0636\u0639 \u0641\u064a \u0627\u0639\u062a\u0628\u0627\u0631\u0643 \u0639\u062f\u062f \u0645\u0631\u0627\u062a \u062d\u0635\u0648\u0644\u0643 \u0639\u0644\u0649 \u0631\u0627\u062a\u0628. \u0647\u0644 \u062a\u062a\u0642\u0627\u0636\u0649 \u0623\u062c\u0631\u064b\u0627 \u0634\u0647\u0631\u064a\u064b\u0627\u061f \u0623\u0633\u0628\u0648\u0639\u064a\u064b\u0627\u061f \u0643\u0644 \u0623\u0633\u0628\u0648\u0639\u064a\u0646\u061f \u0627\u0642\u0633\u0645 \u0647\u062f\u0641 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0634\u0647\u0631\u064a \u0639\u0644\u0649 \u0639\u062f\u062f \u0627\u0644\u0631\u0648\u0627\u062a\u0628 \u0627\u0644\u062a\u064a \u062a\u062d\u0635\u0644 \u0639\u0644\u064a\u0647\u0627\u060c \u0648\u0647\u0630\u0627 \u0647\u0648 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062a\u062e\u0635\u064a\u0635\u0647 \u0645\u0646 \u0643\u0644 \u0631\u0627\u062a\u0628. \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0629\u060c \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u062a\u0642\u0627\u0636\u0649 \u0631\u0627\u062a\u0628\u0643 \u0645\u0631\u062a\u064a\u0646 \u0641\u064a \u0627\u0644\u0634\u0647\u0631\u060c \u0641\u0633\u062a\u0648\u0641\u0631 1,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0644\u0643\u0644 \u0631\u0627\u062a\u0628.<\/p>\r\n\r\n\r\n\r\n<p><strong>\u0647\u062f\u0641 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u00f7 \u0627\u0644\u0623\u0634\u0647\u0631 \u062d\u062a\u0649 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0647\u062f\u0641\u0643 \u00f7 \u0639\u062f\u062f \u0627\u0644\u0631\u0648\u0627\u062a\u0628 \u0634\u0647\u0631\u064a\u064b\u0627 = \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0631\u0627\u062f \u0627\u062f\u062e\u0627\u0631\u0647 \u0644\u0643\u0644 \u0631\u0627\u062a\u0628<\/strong><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u0623\u064a\u0646 \u062a\u0636\u0639 \u0645\u062f\u062e\u0631\u0627\u062a\u0643\u061f<\/h2>\r\n\r\n\r\n\r\n<p>\u0641\u064a \u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0623\u0648\u0644\u0649\u060c \u0636\u0639 \u0645\u0628\u0644\u063a 1,000 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u062d\u0633\u0627\u0628 \u062a\u0648\u0641\u064a\u0631 \u0639\u0627\u062f\u064a &#8211; \u0644\u0627 \u0634\u064a\u0621 \u0645\u064f\u0645\u064a\u0632\u060c \u0641\u0642\u0637 \u0645\u0643\u0627\u0646 \u0622\u0645\u0646 \u0644\u062d\u0641\u0638\u0647\u0627 \u0623\u062b\u0646\u0627\u0621 \u0627\u0646\u0637\u0644\u0627\u0642\u0643. \u062b\u0645\u060c \u0639\u0646\u062f\u0645\u0627 \u062a\u0635\u0644 \u0625\u0644\u0649 \u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u062b\u0627\u0644\u062b\u0629\u060c \u0627\u0646\u0642\u0644 \u0647\u0630\u0647 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628 \u062a\u0648\u0641\u064a\u0631 \u0639\u0627\u0644\u064a \u0627\u0644\u0639\u0627\u0626\u062f \u062d\u062a\u0649 \u062a\u0639\u0645\u0644 \u0628\u0634\u0643\u0644 \u0623\u0641\u0636\u0644 \u0645\u0646 \u0623\u062c\u0644\u0643.<\/p>\r\n\r\n\r\n\r\n<p>\u0644\u0643\u0646 \u0627\u0633\u0645\u0639\u060c \u0627\u0644\u0623\u0645\u0631 \u0644\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062c\u0646\u064a \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0645\u0646 \u0627\u0644\u0641\u0648\u0627\u0626\u062f &#8211; \u0623\u0646\u062a \u0641\u0642\u0637 \u0628\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0635\u0646\u062f\u0648\u0642 \u0637\u0648\u0627\u0631\u0626 \u0641\u064a \u0645\u0643\u0627\u0646 \u064a\u0633\u0647\u0644 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647 \u0639\u0646\u062f\u0645\u0627 \u062a\u064f\u0641\u0627\u062c\u0626\u0643 \u0627\u0644\u062d\u064a\u0627\u0629\u060c \u0648\u0644\u0643\u0646 \u0644\u064a\u0633 \u0645\u0646 \u0627\u0644\u0633\u0647\u0644 \u0623\u0646 \u062a\u064f\u063a\u0631\u064a\u0643 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647 \u0641\u064a \u0643\u0644 \u0645\u0631\u0629 \u062a\u0631\u0649 \u0641\u064a\u0647\u0627 \u062a\u062e\u0641\u064a\u0636\u0627\u062a \u0633\u0631\u064a\u0639\u0629.<\/p>\r\n\r\n\r\n\r\n<p>\u0648\u0639\u0646\u062f\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0627\u0644\u0623\u0645\u0631 \u0628\u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0644\u0623\u0634\u064a\u0627\u0621 \u062e\u0627\u0631\u062c \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 &#8211; \u0645\u062b\u0644 \u0627\u0644\u0625\u062c\u0627\u0632\u0627\u062a \u0623\u0648 \u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0623\u0648 \u062d\u062a\u0649 \u0647\u062f\u0627\u064a\u0627 \u0639\u064a\u062f \u0627\u0644\u0645\u064a\u0644\u0627\u062f &#8211; \u0641\u0625\u0646 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0647\u064a \u0627\u0644\u062d\u0644 \u0627\u0644\u0623\u0645\u062b\u0644. \u0627\u062d\u062a\u0641\u0638 \u0628\u0647\u0627 \u0645\u0646\u0641\u0635\u0644\u0629 \u0639\u0646 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u0627\u0631\u064a \u0648\u0645\u062f\u062e\u0631\u0627\u062a \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u062d\u062a\u0649 \u0644\u0627 \u062a\u0633\u0631\u0642 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062e\u0637\u0623 \u062e\u0637\u0637\u0643 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629. \u0635\u062f\u0642\u0646\u064a\u060c \u0625\u0646 \u062a\u062e\u0635\u064a\u0635 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0644\u0647\u0630\u0647 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0643\u0628\u064a\u0631\u0629 \u0633\u064a\u062c\u0639\u0644\u0643 \u062a\u0634\u0639\u0631 \u0648\u0643\u0623\u0646\u0643 \u062a\u062a\u062d\u0643\u0645 \u0628\u0634\u0643\u0644 \u0643\u0627\u0645\u0644 \u0641\u064a \u0623\u0645\u0648\u0627\u0644\u0643 \u0639\u0646\u062f\u0645\u0627 \u064a\u062d\u064a\u0646 \u0648\u0642\u062a \u0627\u0644\u062f\u0641\u0639!<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u0637\u0631\u0642 \u0644\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0643\u0644 \u0631\u0627\u062a\u0628<\/h2>\r\n\r\n\r\n\r\n<p>\u0625\u0630\u0646\u060c \u0643\u064a\u0641 \u064a\u0645\u0643\u0646\u0643 \u0641\u0639\u0644\u064a\u064b\u0627 \u062a\u062d\u0642\u064a\u0642 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