[{"data":1,"prerenderedAt":361},["ShallowReactive",2],{"article-emergency-fund":3,"article-author-emergency-fund":88,"article-related-emergency-fund":104},{"id":4,"title":5,"author":6,"body":7,"category":76,"cover":77,"date":78,"description":79,"extension":80,"meta":81,"navigation":82,"path":83,"seo":84,"slug":85,"stem":86,"__hash__":87},"articles\u002Farticles\u002Femergency-fund.md","緊急預備金該準備幾個月？","wen-yi-fan",{"type":8,"value":9,"toc":68},"minimark",[10,14,18,21,24,27,50,53,56,62,65],[11,12,13],"p",{},"在我陪伴學員做財務諮詢的經驗裡，緊急預備金幾乎是最常被忽略、卻也最關鍵的一環。大家急著討論該買哪支股票、哪檔 ETF，卻很少人先問自己：如果明天失業，我能撐多久？",[15,16,17],"h2",{"id":17},"緊急預備金到底在準備什麼",[11,19,20],{},"緊急預備金不是用來投資增值的錢，它的唯一任務，是在意外發生時，讓你不需要變賣投資部位、不需要借貸，就能維持基本生活。常見的意外情境包括：突然失業、重大疾病、家人急難、必要的設備維修等。",[15,22,23],{"id":23},"到底該準備幾個月",[11,25,26],{},"坊間常見的建議是 3 到 6 個月的生活費，但我認為這個數字不該是一體適用的公式，而要依照你的工作穩定性與家庭責任調整：",[28,29,30,38,44],"ul",{},[31,32,33,37],"li",{},[34,35,36],"strong",{},"工作穩定、單身、無房貸","：3 個月的生活費可能已經足夠。",[31,39,40,43],{},[34,41,42],{},"自由工作者或收入波動較大","：建議準備 6 個月以上，因為收入中斷的風險較高。",[31,45,46,49],{},[34,47,48],{},"有房貸、扶養家人","：建議準備 6 到 12 個月，因為固定支出更高，且中斷收入的影響會波及更多人。",[15,51,52],{"id":52},"緊急預備金該放在哪裡",[11,54,55],{},"緊急預備金最重要的特性是「流動性」，而不是報酬率。常見的存放方式包括活期存款、貨幣市場基金，或是可以快速變現且波動極低的短天期工具。把緊急預備金拿去買股票或波動較大的資產，違背了它原本的設計目的。",[57,58,59],"blockquote",{},[11,60,61],{},"緊急預備金給你的不只是一筆錢，而是面對意外時「不必倉皇失措」的心理安全感。",[15,63,64],{"id":64},"從心態面看緊急預備金",[11,66,67],{},"很多人抗拒準備緊急預備金，是因為覺得這筆錢「放著不動很浪費」。但我常常提醒學員，緊急預備金的報酬率，不該用金錢報酬衡量，而該用「你在意外發生時，能不能保持理性做出正確決定」來衡量。當你手上有足夠的緩衝，才不會因為短期恐慌，做出賤賣資產或衝動借貸的決定。建立緊急預備金，是所有理財規劃裡最基礎、卻也最容易被低估的一步。",{"title":69,"searchDepth":70,"depth":70,"links":71},"",2,[72,73,74,75],{"id":17,"depth":70,"text":17},{"id":23,"depth":70,"text":23},{"id":52,"depth":70,"text":52},{"id":64,"depth":70,"text":64},"精選文章","\u002Fimages\u002Farticles\u002Femergency-fund.webp","2026-06-01","緊急預備金的意義不只是數字，更是你面對財務衝擊時的心理安全感。","md",{},true,"\u002Farticles\u002Femergency-fund",{"title":5,"description":79},"emergency-fund","articles\u002Femergency-fund","8AchSZNjM3DAV4Nf87bTaskUIxXWwAiszSlydMoGGZs",{"id":89,"title":90,"avatar":91,"bio":92,"category":93,"expertise":94,"extension":99,"featured":82,"meta":100,"name":101,"slug":6,"stem":102,"__hash__":103},"instructors\u002Finstructors\u002Fwen-yi-fan.yml","金錢心態教練","\u002Fimages\u002Finstructors\u002Fwen-yi-fan.webp","諮商心理背景出身，曾於身心科診所執業多年，後轉入財務教育領域，專注研究金錢觀念與童年經驗、情緒消費之間的關聯。她帶領超過兩千名學員透過覺察練習與書寫日記，找出自己「見不得錢」或「花錢補償」的慣性模式，重新建立與金錢健康的關係。她設計的「金錢原生家庭地圖」練習，協助學員回溯父母理財態度對自己消費習慣的深層影響。她認為理財工具人人可以學，但心態不調整，再好的工具也留不住財富，唯有先療癒與金錢的關係，才能真正累積資產。","自我成長",[95,96,97,98],"金錢心態","情緒消費","財務覺察","習慣養成","yml",{},"溫以凡","instructors\u002Fwen-yi-fan","OvYdtxn8noTOUVStNG-24y_xsxiPRC4ye0Mr9FRrQMY",[105,194,257],{"id":106,"title":107,"author":108,"body":109,"category":76,"cover":185,"date":186,"description":187,"extension":80,"meta":188,"navigation":82,"path":189,"seo":190,"slug":191,"stem":192,"__hash__":193},"articles\u002Farticles\u002Fsalary-negotiation.md","談薪水前，先算出你的市場價","chiang-yu-feng",{"type":8,"value":110,"toc":179},[111,114,117,120,123,144,148,151,165,168,171,176],[11,112,113],{},"我當人資主管的那些年，看過太多求職者在薪資談判桌上，明明能力不差，卻因為不了解自己的市場行情，白白少談了一大截薪水。談判技巧固然重要，但真正決定你談判籌碼的，往往是談判前做的功課。",[15,115,116],{"id":116},"為什麼多數人不知道自己的市場價",[11,118,119],{},"大部分人對薪資的認知，來自於「上一份工作的薪水加一點」，而不是「這個職位在市場上真正值多少錢」。這種思維會讓你的薪資成長速度，永遠被自己過去的起薪綁架。",[15,121,122],{"id":122},"該怎麼查市場行情",[124,125,126,132,138],"ol",{},[31,127,128,131],{},[34,129,130],{},"產業薪資調查報告","：許多人力銀行與顧問公司會定期發布特定產業與職位的薪資範圍，是相對客觀的起點。",[31,133,134,137],{},[34,135,136],{},"同業交流與人脈打聽","：透過信任的前同事、同業社群，了解類似職位的實際薪資範圍，通常比報告更貼近現實。",[31,139,140,143],{},[34,141,142],{},"實際投遞履歷測試水溫","：適度接觸市場上的其他機會，可以直接得到最真實的薪資報價，作為談判參考基準。",[15,145,147],{"id":146},"拆解-offer-的完整組成","拆解 Offer 的完整組成",[11,149,150],{},"薪資談判不該只看月薪數字，完整的報酬組成通常包含：",[28,152,153,156,159,162],{},[31,154,155],{},"本薪與獎金結構",[31,157,158],{},"年終與績效獎金的計算方式",[31,160,161],{},"股票或選擇權等長期激勵",[31,163,164],{},"福利與津貼，例如保險、教育訓練補助",[11,166,167],{},"只比較單一數字，很容易在整體評估上失真。",[15,169,170],{"id":170},"談判時機的選擇",[57,172,173],{},[11,174,175],{},"談判籌碼最強的時刻，往往不是在職滿一年的例行考核，而是在你手握其他 Offer，或是即將完成一個重大專案交付成果的時候。",[11,177,178],{},"實務上，我建議把薪資談判當成一個持續累積的過程，而不是臨時抱佛腳的單次事件：平時就整理自己的成果證據，定期關注市場行情變化，並在關鍵時機提出清楚、有數據支撐的訴求。談判不是要對方讓步，而是雙方基於事實，找到一個彼此都能接受的合理區間。當你手上有足夠的市場數據，談判時的底氣自然會不一樣。",{"title":69,"searchDepth":70,"depth":70,"links":180},[181,182,183,184],{"id":116,"depth":70,"text":116},{"id":122,"depth":70,"text":122},{"id":146,"depth":70,"text":147},{"id":170,"depth":70,"text":170},"\u002Fimages\u002Farticles\u002Fsalary-negotiation.webp","2026-05-28","薪資談判的第一步不是話術，而是掌握足夠的市場行情數據。",{},"\u002Farticles\u002Fsalary-negotiation",{"title":107,"description":187},"salary-negotiation","articles\u002Fsalary-negotiation","7UCL0GbSzf0wfgz74VSY4xNyvgCGweMrK-Wy6SECla8",{"id":195,"title":196,"author":197,"body":198,"category":76,"cover":248,"date":249,"description":250,"extension":80,"meta":251,"navigation":82,"path":252,"seo":253,"slug":254,"stem":255,"__hash__":256},"articles\u002Farticles\u002Fbookkeeping-3-steps.md","三步驟開始記帳，不再半途而廢","tseng-hsu-yao",{"type":8,"value":199,"toc":241},[200,203,206,209,213,216,220,223,227,230,235,238],[11,201,202],{},"我曾經卡債纏身，也曾經下載過至少十款記帳 App，每一次都撐不過一個月就放棄。後來我才明白，記帳失敗從來不是意志力不夠，而是方法本身設計得太複雜，複雜到讓人一忙就想放棄。",[15,204,205],{"id":205},"為什麼多數人記帳都會半途而廢",[11,207,208],{},"大部分記帳失敗的原因，都指向同一個根本問題：把記帳這件事想得太完整、太精細。分類分得太細、要求自己每一筆消費都要當下記錄、還要每天檢查預算執行率——這些「理想的記帳流程」，在真實生活的忙碌與疲憊面前，往往撐不過兩週。",[15,210,212],{"id":211},"第一步先求記錄不求分類","第一步：先求記錄，不求分類",[11,214,215],{},"一開始不要糾結於分類是否精準，只要求自己把「花了多少錢」記下來就好。可以先粗略分成「必要支出」與「非必要支出」兩大類，甚至一開始完全不分類也沒關係。重點是先把「記錄」這個動作變成習慣，之後再逐步優化分類方式。",[15,217,219],{"id":218},"第二步固定一個每天回顧的時間點","第二步：固定一個每天回顧的時間點",[11,221,222],{},"與其要求自己隨時隨地記帳，不如固定一個每天都會做的時間點，例如睡前十分鐘，回想今天花了哪些錢並一次補記。這個做法能大幅降低記帳的心理門檻，因為你不需要隨時中斷生活來記帳。",[15,224,226],{"id":225},"第三步每週做一次簡單回顧","第三步：每週做一次簡單回顧",[11,228,229],{},"每週花五到十分鐘，看看這一週的支出有沒有明顯異常，例如某個類別突然暴增。不需要做複雜的分析，只要問自己一個問題：「這週的花費，有沒有讓我未來後悔？」",[57,231,232],{},[11,233,234],{},"記帳的目的從來不是省錢，而是讓你清楚知道錢花去哪裡了，重新拿回對財務的掌控感。",[15,236,237],{"id":237},"給正在掙扎的你",[11,239,240],{},"如果你也曾經因為記帳半途而廢而感到挫折，請記得那不是你的問題，而是方法的問題。從最簡單的版本開始，允許自己中斷後隨時重新開始，比追求一套完美卻難以堅持的系統，更容易走得長久。",{"title":69,"searchDepth":70,"depth":70,"links":242},[243,244,245,246,247],{"id":205,"depth":70,"text":205},{"id":211,"depth":70,"text":212},{"id":218,"depth":70,"text":219},{"id":225,"depth":70,"text":226},{"id":237,"depth":70,"text":237},"\u002Fimages\u002Farticles\u002Fbookkeeping-3-steps.webp","2026-05-25","記帳失敗不是意志力問題，而是方法一開始就設定得太複雜。",{},"\u002Farticles\u002Fbookkeeping-3-steps",{"title":196,"description":250},"bookkeeping-3-steps","articles\u002Fbookkeeping-3-steps","V-YVZwCwhhaJgQaq-3lp4QYqZV-5z2c987gKBwvQCis",{"id":258,"title":259,"author":260,"body":261,"category":76,"cover":352,"date":353,"description":354,"extension":80,"meta":355,"navigation":82,"path":356,"seo":357,"slug":358,"stem":359,"__hash__":360},"articles\u002Farticles\u002Ffinance-english-terms.md","十個必懂的財經英文關鍵字","ai-lin-chang",{"type":8,"value":262,"toc":346},[263,266,269,275,281,287,293,296,302,308,314,317,323,329,335,338,343],[11,264,265],{},"許多學員告訴我，看國際財經新聞最挫折的地方，不是文法看不懂，而是同樣幾個詞彙反覆出現，卻始終抓不準精確含義。這篇文章整理十個高頻出現的財經英文關鍵字，幫你打好精讀的基礎。",[15,267,268],{"id":268},"總體經濟類",[11,270,271,274],{},[34,272,273],{},"1. Inflation（通貨膨脹）","：物價水準持續上升，購買力下降的現象，是央行貨幣政策最關注的指標之一。",[11,276,277,280],{},[34,278,279],{},"2. Rate hike \u002F Rate cut（升息／降息）","：央行調整基準利率的動作，直接影響借貸成本與市場資金鬆緊。",[11,282,283,286],{},[34,284,285],{},"3. Recession（經濟衰退）","：通常定義為連續兩季國內生產毛額（GDP）負成長，是總體經濟新聞中的重要警訊詞彙。",[11,288,289,292],{},[34,290,291],{},"4. Yield（殖利率）","：常見於債券相關新聞，指投資人持有債券所能獲得的報酬率。",[15,294,295],{"id":295},"企業財報類",[11,297,298,301],{},[34,299,300],{},"5. Earnings（獲利／盈餘）","：企業公布財報時的核心關鍵字，常搭配 beat（優於預期）或 miss（不如預期）使用。",[11,303,304,307],{},[34,305,306],{},"6. Guidance（財測／展望）","：企業對未來營運表現的預估說明，市場常依此調整對股價的預期。",[11,309,310,313],{},[34,311,312],{},"7. Margin（毛利率／利潤率）","：反映企業每一元營收能轉換成多少利潤，是判斷經營效率的重要指標。",[15,315,316],{"id":316},"市場與投資類",[11,318,319,322],{},[34,320,321],{},"8. Volatility（波動性）","：市場價格變動的劇烈程度，常用來衡量風險高低。",[11,324,325,328],{},[34,326,327],{},"9. Valuation（估值）","：市場對一家公司或資產合理價格的評估，常搭配 overvalued（高估）或 undervalued（低估）使用。",[11,330,331,334],{},[34,332,333],{},"10. Diversification（分散投資）","：透過持有不同資產降低整體投資組合風險的策略。",[15,336,337],{"id":337},"學習建議",[57,339,340],{},[11,341,342],{},"與其死背單字表，不如在真實新聞情境中反覆遇見這些詞彙，讓大腦自然建立詞彙與情境的連結。",[11,344,345],{},"建議挑選一篇你有興趣的財經新聞，先圈出所有陌生詞彙，查完意思後，試著用自己的話把整篇文章的重點口頭摘要一次。這個練習比單純背單字更有效，因為它同時訓練了理解與輸出的能力，是精讀財經英文最扎實的方法。",{"title":69,"searchDepth":70,"depth":70,"links":347},[348,349,350,351],{"id":268,"depth":70,"text":268},{"id":295,"depth":70,"text":295},{"id":316,"depth":70,"text":316},{"id":337,"depth":70,"text":337},"\u002Fimages\u002Farticles\u002Ffinance-english-terms.webp","2026-05-20","看懂國際財經新聞前，先掌握這十個高頻出現的英文關鍵字。",{},"\u002Farticles\u002Ffinance-english-terms",{"title":259,"description":354},"finance-english-terms","articles\u002Ffinance-english-terms","Z6KnT4JpOhD2UrxQqphZ111A-S5J5kSy3iiJci75K3o",1784448118934]