毕业建议：从每天一杯牛奶咖啡开始.docVIP

毕业建议：从每天一杯牛奶咖啡开始 　　 　　By DAMON DARLIN 　　山东科技大学 张 英 选注 　　 　　Advice to All You Graduates:Let’s Start With That Daily Latte1... 　　 　　This is the season for giving advice to graduates as they enter the workplace. Instead of listening to yet another recitation of the usual admonishments2 to “change the world”,“carpe diem”3, or “wear sunscreen,”4those graduates―unless they are already trapped on5 the nonpaying internship6 hamster wheel7―need to hear how to manage their paychecks. 　　College graduates may thank mom and dad, top left, for helping with tuition, but they still need advice on how to handle a paycheck. Small steps―packing your own lunch, for example―can make a big difference over the first 10 years of a working life. Parents may have tried this. And many will undoubtedly send this article to their children. 　　But, dear graduate, before you wad8 this up and toss it next to the keg9 still sitting there from last week’s party, consider this:If you think it is tough living on very little now, imagine what it will be like when you are old and sick. 　　Surveys say most of you already suspect Social Security will not be around after mom and dad deplete10 it sometime during your peak earning years. A recent survey by the Pew Research Center found that 61 percent of Americans 18 to 29 years old favored a system of privatized retirement savings accounts. 　　Let’s start with the easy stuff first. 　　Make your own coffee. You probably know you spend a lot at Starbucks, a company that collected $6.4 billion from coffee drinkers last year. You probably don’t have any idea how much of that total came from you. A calculator at /calc/coffee.cgi let’s you figure that out and also forecast how much you will spend over a decade of coffee breaks. Say you spend just $3.50 every workday for your latte. If you drank the free office brew11 instead, you’d have more than $11,500 to play with after 10 years. 　　By the same logic, if you smoke, now is a good time to quit. Doing so