Boost your emergency fund. Many experts recommend keeping about six months of expenses in a federally insured account to cover an emergency, like sudden unemployment.

• 还清你的信用卡或高利息的债务.；简单地还清高利息债务，这可能是你的最好的投资策略。在投资利益或更低风险方面，很少投资策略能够超过“还清高利息债务”。