Generation X is often named the “lost” or “forgotten” generation, placed between the internet-savvy Millennials and the self-reliant Baby Boomers. 尽管在关于世代的讨论中被忽视了, this group remains resilient and continues to adapt to the world's constant fluctuations.

"Gen X,” as they are nicknamed, consists of individuals born between 1965 and 1980. 这一代人见证了自动取款机的诞生, cellular data, 以及著名的魔方发明. Every generation has its own set of financial obstacles, and Gen X is no exception. Elements is here to empower Generation X to take charge of their financial future. In this article, we will discuss Gen X's approach to handling money and the origins of their debt. Additionally, we will provide useful tips for managing debt and planning for a successful financial future.

X世代是如何看待金钱的? 

作为中间一代的一部分, Gen X has gained financial knowledge from both older and younger adults. While the Baby Boomer and Silent generations emphasize the importance of earning money through hard work, Z世代和千禧一代倾向于优先考虑工作与生活的平衡. Generation X was among the first to experience a transition from carrying real, tangible cash in their wallets to tracking numbers in an online bank account instead, 轻松消费.

Although this generation is experiencing higher income and is expected to inherit a substantial amount, 他们目前持有最高水平的学生贷款, mortgages, credit cards, and auto loans, 平均每人总共花费157美元,556, according to Experian.

那么，为什么X一代有这么多债务呢?

Managing expenses and saving for unexpected costs can be challenging due to various factors. 在这种情况下，举债成为一种临时解决方案. Many Gen X adults are also supporting both their children and their aging parents, 这会增加额外的财政压力. 鉴于这些障碍, our team of experts has helpful advice to help Gen X navigate their journey to financial freedom.

X一代如何管理自己的财务责任?

Debt is a common reality for many households, but not all debt is the same. Most people don't have tens of thousands of dollars readily available to buy a car or a home. Taking on necessary secured debt can help you make larger purchases over time and build your credit, 而且它们的利率通常较低. 另一方面, 无担保债务, 比如个人贷款或信用卡, 通常利率更高，风险更大. 最后很容易花的钱超过你的计划, 哪个会导致更多的债务, 影响你的信用评分和未来财务状况. We understand that dealing with debt can be stressful and overwhelming. That's why we've gathered some repayment strategies to help you manage funds responsibly.

债务雪球/雪崩

有几种方法可以解决你的债务, 但最重要的是一次只关注一项法案. 你不可能一夜之间还清债务, so concentrating on one debt at a time makes it easier to manage. “The Snowball” and “The Avalanche” are two methods that can help you begin your debt repayment plan.

从小雪球开始:

This debt repayment method involves targeting the smallest debt in one category while making minimum payments on all other debts. For example, if your smallest debt is on a credit card, focus on paying off that card first. By doing so, you will eliminate one item from your list while making progress on your other balances. Once you’ve paid off your smallest debt, move on to the second smallest, and so on.

从雪崩开始: 

从高利率开始，首先消除你的最高利率, 不管平衡如何, 然后一直往下到最底层. This method can help you save money in the long run because you’ve gotten rid of your higher-priced debt.

现在你有了这些策略, here are some other steps to help you get started on reducing debt:

1. Create a budget by learning your spending habits, wants, and necessities.
2. 不要害怕改变你的财务状况! Refinancing or cutting unnecessary expenses can give you extra funds to put toward existing debt.
3.  Have friends and family in your life that encourage you to succeed financially.
4. 建立里程碑来庆祝! 在这个过程中奖励自己是可以的.

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提前计划

We all know the importance of planning for what’s to come, but where do we start? 对于一些x世代来说, 那可能是退休, 而对其他人来说, it might be opening more accounts and investing more of their funds. 无论你的目标是什么, having a strategic plan can help relieve stress and give you a clear path forward for managing your finances in the next phase of life. Here are some common options to explore for future financial health:

• 遗产规划: This process is done by a legal professional who helps you create a will or trust based on your personalized situation. Having an estate plan protects your assets and ensures they go to the right people.
• Investments: Diversifying your investments is key to a strong jumpstart for your financial future. Investments can range from stocks, bonds, annuities, savings certificates, and even real estate. Investing is also a great way to build wealth to pass down to your loved ones. 401k,
• 养老金和社会保障: 对许多x世代来说，退休近在眼前. Check with your employer to determine how much you have in each of your retirement savings accounts and what incentives your workplace offers so you can maximize those benefits. You can also get an estimate for your Social Security benefit at www.SSA.gov.
• 人寿保险: Life insurance provides financial security for you and your loved ones, 让你更安心. Take time to research the different types of life insurance policies to find the best option for you.

It’s essential to pay close attention to all these tools as you continue to shape your financial stability and goals. Remember, it’s never too late to consider your future and that of generations to come. By taking proactive steps and making well-informed decisions now, you can ensure a comfortable retirement and create a sound legacy for your loved ones.  

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