聽其言而觀其行

長期目的（10 年以上）：如退休金、財政自由資產、換屋計劃等。

此外，理財目的也能夠依照分歧時候區段進行分類：

• 不管是三年內想存到留學學費、五年後想買房，或是進展能在退休前積累足夠的被動收入，這些具體而明白的目的，都能扶助你釐清：該存幾多錢、該怎麼存、用什麼方式投資對照適合。

  設定財政目標，其實就是為你的資金計劃出一條現實且可行的線路。

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