在美国赚钱不易，存钱更难。这是近一、二十年来新 旧移民共有的感慨。大部分的上班族、打工族在胼手胝足、节衣缩食之余，也逐渐从事获利较高的投资。当然，较高的收益也伴随着风险，因此，必须在收益、风险、财务能力之间取得平衡。否则，盲从冒进的结果，资金套牢，举家不安 Earn money in the United States is not easy, more difficult to save money. This is the common feeling of both old and new immigrants in the recent one or two decades. Most of the working people and wage earners work hard at their own feet and are gradually investing in profitable businesses. Of course, higher returns are also accompanied by risks, so a balance must be struck between gains, risks and financial capabilities. Otherwise, blindly follow the results of aggressive, financially locked, restless family