6．B.L.Wisner,“An Exploratory Study of Mindfulness Meditation for Alternative School Students: Perceived Benefits for Improving School Climate and Student Functioning,”Mindfulness 5 (2014): 626-638, https://doi.org/10.1007/s12671-013-0215-9. 第九章 重塑债务观 1．Tara Isabella Burton,“The Protestant Reformation, Explained,”Vo x, November 2, 2017, https://www.vox.com/identities/2017/11/2/16583422/theprotestant-reformation-explained-500-years-martin-lutherchristianity-95-theses. 2．Olivia Schwob,“The Long History of Debt Cancellation,”Boston Review, November 13, 2019, http://bostonreview.net/class-inequality-politics/oliviaschwob-long-history-debt-cancellation. 第十章 信用评分的作用机制，以及怎样玩转信 用评分 1．Louis DeNicola,“How Long Do Late Payments Stay on Credit Reports?, ” Experian, January 14, 2020, https://www.experian.com/blogs/ask-experian/how-long-do-latepayments-stay-on-credit-reports. 2．如何更正信用报告中的错误？想要了解更多信息，请查看 https://www.consumer.ftc.gov/articles/0151-disputing-errors-
credit-reports。 第十一章 如何摆脱信用卡债务 1．“1958,” Morris County Library, accessed September 20, 2021, https://mclib.info/reference/local-historygenealogy/historic-prices/1958-2. 2．“The Fresno Drop,”99% Invisible, January 19, 2016, https://99percentinvisible.org/episode/the-fresno-drop. 3．Elizabeth C.Hirschman,“Differences in Consumer Purchase Behavior by Credit Card Payment System,”Journal of Consumer Research 6, no.1 (June 1979): 58-66, https://doi.org/10.1086/208748. 4．Rick Weiss,“Study Has Tips for Waiters: Credit Card Logos Serve Them,”Washington Post, September 21, 1996, https://www.washingtonpost.com/archive/politics/1996/09/21/st udy-has-tip-for-waiters-credit-card-logos-serve-themtoo/2f13b12f-86d9-4e46-b27d-5d52e96a4619. 5．这是一家专门提供信用卡债务再融资服务的公司，网址为 https://www.payoff.com。 6．这是一家提供个人贷款服务的公司，网址为 https://www.sofi.com。 7．想要了解点对点互联网金融借贷平台，请查看 https://www.lendingtree.com和https://www.prosper.com。
8．想要深入了解债务清偿计划和债务管理计划之间的区别，请查 看https://www.experian.com/blogs/ask-experian/debtsettlement-vs-debt-management-programs。 9．想要向获得美国国家信贷咨询基金会认证的财务顾问寻求帮 助，请查看https://www.nfcc.org。 第十二章 借钱还是不借钱：如何看待债务决策 1．Matt Levine,“Fed Day, Junk Bonds and Unicorns,” Bloomberg, December 16, 2015, https://www.bloomberg.com/opinion/articles/2015-12-16/fedday-junk-bonds-and-unicorns. 2．这是一个简单的在线贷款计算器，可以帮助你了解贷款的每月 还款额：https://www.bankrate.com/calculators/mortgages/loancalculator.aspx。 3．“What Is a Debt to Income Ratio? Why Is the 43% Debt to Income Ratio Important?” Consumer Financial Protection Bureau, last modified November 15, 2019, https://www.consumerfinance.gov/ask-cfpb/what-is-a-debt-toincome-ratio-why-is-the-43-debt-to-income-ratio-important-en1791. 4．David Brooks,“The Wisdom Your Body Knows. You Are Not Just Thinking with Your Brain,”New York Times, November 28, 2019, https://www.nytimes.com/2019/11/28/opinion/brain-bodythinking.html.
第十三章 周末花时间好好思考学生贷款 1．这是我最喜欢的几种还款工具，可以用来查看债务余额并比较 不同的每月还款计划：http://www.personalcapital.com； https://unbury.me；https://www.tillerhq.com/solutions/getout-of-debt。 2．Zack Friedman,“99% of Borrowers Rejected Again for Student Loan Forgiveness,”Forbes, May 1, 2019, https://www.forbes.com/sites/zackfriedman/2019/05/01/99-ofborrowers-rejected-again-for-student-loanforgiveness/#7c9060c0b16b. 3．这些电子报很不错，如果你想及时了解学生贷款的相关信息， 可以订阅https://studentloanhero.com/subscribe和 https://askheatherjarvis.com/blog。但要注意的是，Student Loan Hero会不时通过电子邮件向你推销理财产品。 4．想要了解更多关于联邦贷款合并的信息，请查看 https://studentloans.gov/myDirectLoan/index.action。 第十四章 如何看待投资 1．Melissa Rayner,“Happy National One Cent Day: So What Could a Penny Buy You 100 Years Ago?, ”Gale, March 31, 2015, https://blog.gale.com/happy-national-one-cent-day. 2．Kimberly Amadeo,“Consumer Price Index and How It Measures Inflation,”The Balance, updated April 15, 2021,
https://www.thebalance.com/consumer-price-index-cpi-indexdefinition-and-calculation-3305735. 3．如果你对往年的消费价格指数感兴趣，请查看 https://www.usinflationcalculator.com/inflation/consumerprice-index-and-annual-percent-changes-from-1913-to-2008。 第十五章 怎样玩转股市 1．“Dividend History,” Dividend History, Apple, last modified April 2021, https://investor.apple.com/dividendhistory/default.aspx. 2．你可以使用这款计算器了解自己应该为退休存多少钱、准备多 少资产：https://smartasset.com/retirement/retirementcalculator。 第十六章 你想聘请理财顾问吗 1．“Suitability，” Rules and Guidance，FINRA， https://www.finra.org/rules-guidance/key-topics/suitability. 2．Dayana Yochim and Jonathan Todd,“How a 1% Fee Could Cost Millennials $590, 000 in Retirement Savings,” NerdWallet, April 27, 2016, https://www.nerdwallet.com/blog/investing/millennialretirement-fees-one-percent-half-million-savings-impact. 3．你可以访问该数据库，找到满意的纯收费制理财顾问或规划 师：https://www.xyplanningnetwork.com。
4．想找注册理财规划师和全美个人理财顾问协会旗下的理财顾 问，请查看https://www.letsmakeaplan.org和 https://www.napfa.org。 第十七章 如何积累财富：了解你的净资产 1．Pablo S.Torre,“How and Why Athletes Go Broke,”Sports Illustrated, March 23, 2009, https://vault.si.com/vault/2009/03/23/how-and-why-athletesgo-broke. 2．Nick Holeman,“Is Buying a Home a Good Investment?, ” Betterment, November 19, 2016, https://www.betterment.com/resources/buying-home-goodinvestment. 3．想知道租房更好还是买房更好，可以使用这款计算工具： https://www.nytimes.com/interactive/2014/upshot/buy-rentcalculator.html。 4．Fox Butterfield,“From Ben Franklin, a Gift That's Worth Two Fights,”New York Times, April 21, 1990, https://www.nytimes.com/1990/04/21/us/from-ben-franklin-agift-that-s-worth-two-fights.html. 5．想了解退休规划软件Personal Capital的更多信息，请查看 https://personalcapital.com。 6．想了解退休规划软件Smart Asset的更多信息，请查看 https://smartasset.com/retirement/retirement-calculator。
7．想了解关于“欲望逆转”的更多信息，请查看 https://smartasset.com/retirement/retirement-calculator。 第十八章 守护现有财产 1．David U.Himmelstein, Robert M.Lawless, Deborah Thorne, Pamela Foohey and Steffie Woolhandler,“Medical Bankruptcy: Still Common Despite the Affordable Care Act,”American Journal of Public Health 109 (2019): 431-433, https://doi.org/10.2105/AJPH.2018.304901. 2．Johanna Maleh and Tiffany Bosley,“Disability and Death Probability Tables for Insured Workers Born in 1997,” Table A, Social Security Administration, October 2017, https://www.ssa.gov/oact/NOTES/ran6/an2017-6.pdf. 3．“What You Should Know Before You Apply for Social Security Disability Benefits,” factsheet, Social Security Administration, https://www.ssa.gov/disability/Documents/Factsheet-AD.pdf. 4．“State-by-State Disability Backlog,” Allsup, May 2017, https://www.allsup.com/media/files/stateby-statebacklog-2017.pdf. 5．“Monthly Statistical Snapshot, February 2021,” Table 2, Social Security Administration, March 2021, https://www.ssa.gov/policy/docs/quickfacts/stat_snapshot/2021 -02.html.
6．“Poverty Guidelines 01/15/2021,” Office of the Assistant Secretary for Planning and Evaluation (ASPE), 2021, https://aspe.hhs.gov/poverty-guidelines. 7．在这里可以找到不错的在线保险经纪人： https://www.policygenius.com。 结语 无敌理财：管理好你的财务状况 1．Jesi Taylor Cruz,“Composting Food Waste Is an Act of Resistance,”ZORA, July 8, 2020, https://zora.medium.com/composting-food-waste-is-an-act-ofresistance-f5ba3425394a.