我终于在储蓄账户里存下了 500 美元。对大多数人来说这可能不值一提，但我真的哭了。
I finally have $500 in my savings account. I know it’s nothing to most people, but I literally cried.
译文简介
美国“月光族”的分享
正文翻译
I finally have $500 in my savings account. I know it’s nothing to most people, but I literally cried.
我终于在储蓄账户里存下了 500 美元。对大多数人来说这可能不值一提，但我真的哭了。
Honestly I just needed somewhere to share this because I don’t really have anyone irl who gets how big this is for me.
说真的，我就是想找个地方分享一下，因为现实生活中真的没人懂这对我来说有多重要。
For the last three years I’ve been in that cycle where the second I get paid, it’s gone. Overdraft fees were basically just a monthly subscxtion for me at this point. It felt like I was drowning in slow motion. Every time my car made a weird noise my heart would drop into my stomach.
过去三年，我一直陷在这种循环里——工资刚到手就瞬间清零。透支手续费简直成了我每月的固定订阅服务。那种感觉就像在慢动作中溺水，每次车子发出异响，我的心就直坠谷底。
About 4 months ago I just snapped. I was tired of being scared of my bank app. I started doing the "boring" stuff. I cut out the energy drinks (which was harder than quitting smoking tbh), stopped buying lunch at work, and started throwing literally $10 or $20 a week into a separate account at a different bank so I couldn't see it or touch it easily.
大约四个月前，我终于崩溃了。我受够了每次打开银行 APP 都胆战心惊的日子。开始做那些"无聊"的正经事：戒掉能量饮料（说实话比戒烟还难）、不再购买工作午餐、每周雷打不动往另一家银行的独立账户存 10 或 20 美元——这样既看不见也难动用。
I checked it this morning and it hit $515.
今早查余额时，数字跳到了 515 美元。
I know $500 is like, one grocery trip for some families. But for me, knowing that if my tire blows out tomorrow I don't have to beg someone for money or take out a predatory loan... the relief is actually insane. I feel like I can breathe for the first time in years.
我知道 500 美元可能只够有些家庭采购一次杂货。但对我来说，这意味着明天就算爆胎也不必低声下气借钱或借高利贷...这种解脱感真的难以形容。多年来我第一次感觉能自由呼吸了。
If you’re in the trenches right now and feel like saving $5 is pointless because the hole is too deep, just do it anyway. It adds up faster than you think.
如果你正处于困境，觉得攒 5 美元无济于事，因为债务深不见底，但无论如何请坚持存下去。积少成多的速度比你想象的更快。
Thanks for reading, just wanted to tell someone who understands the struggle.
感谢阅读，只是想找个懂这种艰辛的人倾诉。
我终于在储蓄账户里存下了 500 美元。对大多数人来说这可能不值一提，但我真的哭了。
Honestly I just needed somewhere to share this because I don’t really have anyone irl who gets how big this is for me.
说真的，我就是想找个地方分享一下，因为现实生活中真的没人懂这对我来说有多重要。
For the last three years I’ve been in that cycle where the second I get paid, it’s gone. Overdraft fees were basically just a monthly subscxtion for me at this point. It felt like I was drowning in slow motion. Every time my car made a weird noise my heart would drop into my stomach.
过去三年，我一直陷在这种循环里——工资刚到手就瞬间清零。透支手续费简直成了我每月的固定订阅服务。那种感觉就像在慢动作中溺水，每次车子发出异响，我的心就直坠谷底。
About 4 months ago I just snapped. I was tired of being scared of my bank app. I started doing the "boring" stuff. I cut out the energy drinks (which was harder than quitting smoking tbh), stopped buying lunch at work, and started throwing literally $10 or $20 a week into a separate account at a different bank so I couldn't see it or touch it easily.
大约四个月前，我终于崩溃了。我受够了每次打开银行 APP 都胆战心惊的日子。开始做那些"无聊"的正经事：戒掉能量饮料（说实话比戒烟还难）、不再购买工作午餐、每周雷打不动往另一家银行的独立账户存 10 或 20 美元——这样既看不见也难动用。
I checked it this morning and it hit $515.
今早查余额时，数字跳到了 515 美元。
I know $500 is like, one grocery trip for some families. But for me, knowing that if my tire blows out tomorrow I don't have to beg someone for money or take out a predatory loan... the relief is actually insane. I feel like I can breathe for the first time in years.
我知道 500 美元可能只够有些家庭采购一次杂货。但对我来说，这意味着明天就算爆胎也不必低声下气借钱或借高利贷...这种解脱感真的难以形容。多年来我第一次感觉能自由呼吸了。
If you’re in the trenches right now and feel like saving $5 is pointless because the hole is too deep, just do it anyway. It adds up faster than you think.
如果你正处于困境，觉得攒 5 美元无济于事，因为债务深不见底，但无论如何请坚持存下去。积少成多的速度比你想象的更快。
Thanks for reading, just wanted to tell someone who understands the struggle.
感谢阅读，只是想找个懂这种艰辛的人倾诉。
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Congratulations! This is huge. ❤️ WELL DONE!
恭喜！这太了不起了。❤️ 干得漂亮！
Turbulent-Basil-6673
thanks so much. honestly didn't think i’d ever get here. feels weird seeing a plus sign next to the number instead of a minus lol.
真的太感谢了。说真的，我从来没想过能做到这一步。看到数字前面是加号而不是减号的感觉好奇怪啊哈哈。
FeralGiraffeAttack
To make it more "real," having $515 saved up is a huge deal considering that as of 2024, 37% of adults could not cover an unexpected $400 expense with cash or a cash equivalent. That means you're actually doing better than a lot of folks at the moment. I'm not trying to make you feel guilty by pointing this out (quite the opposite). You should be really proud of how you've been able to build in some security for yourself.
为了让这更"真实"，考虑到截至 2024 年，37%的成年人无法用现金或等价物支付 400 美元的意外开支，存下 515 美元已经是巨大的成就。这意味着你现在的财务状况实际上比很多人都要好。我指出这一点并不是想让你感到内疚（恰恰相反）。你真的应该为自己能够建立起一些财务保障而感到骄傲。
BrotherFrankie
And no overdraft fees.
而且没有透支手续费。
Beautiful_Age8818
Dude this is amazing, you should be so proud of yourself! That feeling of not panicking when something breaks is literally priceless. The fact that you pushed through those first few months when it felt impossible shows serious strength
兄弟这太棒了，你应该为自己感到无比自豪！那种当东西坏掉时不必惊慌的感觉真的是无价的。你能在最开始那几个月感觉不可能的情况下坚持下来，展现了真正的毅力。
CraveTheRush
Yees yes ..
好样的好样的..
For someone who’s been living paycheck to paycheck, this is huge. It’s not just $500 …it’s proof that things really can change when you start taking control one small step at a time…
对于一个一直靠薪水过日子的人来说，这意义重大。这不仅仅是 500 美元...更是证明当你开始一步步掌控生活时，事情真的会改变...
Seriously, well done…
说真的，干得漂亮...
This kind of progress deserves to be celebrated…
这种进步值得庆祝...
moldyjellybean
Yeah I’m proud of this reddit bro
是啊，我为这个 Reddit 兄弟感到骄傲
HSX9698
You did it!!
你做到了！！
And even if a tire blows out, you now know you can do it again.
就算胎爆了也没关系，你现在知道自己有能力再次达成目标。
Being poor costs us so much in late fees, interest, overdraft. It's awful!
贫穷让我们付出太多代价——滞纳金、利息、透支费，太可怕了！
But now you are on your way to making your money work for you!! You should be very proud of your achievement!
但现在你正走在让钱为你工作的路上！！你该为自己的成就感到无比自豪！
Honest_Lie8632
2026 is approaching - keep at it! By end of next year this number will have grown even much more!
2026 年正在临近——坚持住！到明年年底这个数字一定会变得更大！
Turbulent-Basil-6673
that’s the dream. usually i dread jan 1st because of the post-holiday bills but for once i’m actually feeling hopeful about a new year. thanks for the encouragement!
这就是梦想成真啊。通常我都怕 1 月 1 号因为要处理节日后的账单，但这次我真的对新的一年有了希望。感谢鼓励！
BrotherFrankie
I’ve stopped all holiday spending (except for myself as I’m in hospice). Lost my income and SSI is minimal
我已经完全停止了节日消费（除了给自己买点东西，因为我正在接受临终关怀）。失去了收入来源，况且社保补助金也很微薄
Again like I said before I’m so proud and happy for you. This is huge!
就像我之前说过的，我真心为你感到骄傲和高兴。这太了不起了！
penny_squeaks
Quality time with friends and family is better than any gift.
与亲友共度的美好时光比任何礼物都珍贵。
Good luck on your journey.
祝你前路顺遂。
Render_Records
I’m so proud of you! Having even the smallest amount of a cushion makes such a big difference for mental health. Keep pushing for that emergency fund, then start saving for retirement. You can do this!
真为你感到骄傲！哪怕只是存下一小笔钱，对心理健康的影响也是巨大的。继续为应急基金努力，然后开始为退休储蓄。你一定可以的！
Turbulent-Basil-6673
the mental health part is so real. i didn't realize how much background stress i was carrying 24/7 until i had this little buffer.retirement feels like a million miles away rn lol but i guess i just gotta keep taking the baby steps.
心理健康这部分简直太真实了。直到有了这点小小的缓冲资金，我才意识到自己 24 小时都承受着多大的隐性压力。退休现在感觉还遥不可及哈哈，但我想只能继续慢慢来了。
Render_Records
Bit by bit. Little by little. Establish good habits like living beneath your means and stick to a plan. Look into FIRE for tips and tricks.
一点一滴，积少成多。养成量入为出的好习惯并坚持计划。可以研究下 FIRE（财务自由提前退休）获取技巧。
sunnirae
This is amazing!!! I’m not too far ahead of you and it makes me giggy to see the baby step progress of growing our TFSA!!
太棒了！！！我也没比你领先多少，看到我们 TFSA 账户慢慢增长的这些小进步让我开心得像个孩子！！
Turbulent-Basil-6673
yesss exactly! the baby steps add up faster than you think. feels good to finally have a little breathing room. keep killing it!
没错！积少成多的速度比你想象中快多了。终于能喘口气的感觉真好。继续保持这股劲头！
coolioboolio24
Open a HYSA if you don’t already have one. Might as well get interest on those savings!
如果还没有的话，开一个高收益储蓄账户吧。让这些存款多少帮你赚点利息也好！
Turbulent-Basil-6673
yeah i definitely need to look into that. i know on $500 the interest will basically just buy me a pack of gum a year lol, but hey it beats paying the bank overdraft fees.
是啊，我确实该研究下这个。虽然 500 刀的利息大概只够我买包口香糖（笑），但总比被银行收透支手续费强多了。
GoodEnough468
It's like you just said though, every little helps! Interest is free money, and even a tiny bit of free money is good money
就像你说的，积少成多嘛！利息就是白赚的钱，哪怕再少的白给钱也是好钱啊
ShMiKky_
I feel you, I'm 36 and I have finally got myself into a position where I haven't had to check my accounts to see if I can buy something. It's been a couple of weeks now and I have maybe 400 after paying the power bill without the usual panic and dreadful. Well done
我懂你的感受，36 岁的我终于摆脱了买东西前要先查账户余额的日子。这几周来，甚至在缴完电费后还能剩下 400 块，再也不用经历那种恐慌和绝望了。真为你骄傲！
disharmony-hellride
Well done to you, too!!! Sleep a little better now, mate!
也为你骄傲！！！现在能睡得更踏实了吧，兄弟！
SaitamaHitRickSanchz
I'm proud of you. I got up to 2000 once, but now I'm back down to 5. I'll get back there one day.
我为你感到骄傲。我之前存到过 2000 块，但现在又只剩 5 块了。总有一天我会重新存回来的。
Ok-Helicopter129
You can do it again.
你还能再做到一次。
CreamedCh33ze
Oh heck yeah! I’m proud of ya
太棒了！真心为你感到骄傲
Childless_Catlady42
That's great! Not only do you have a little cushion now, I've changed your habits to make future saving easier. Go you!!!
太棒了！你现在不仅有了一点应急资金，还养成了能让今后储蓄更容易的好习惯。继续加油啊！！！
soraysunshine
That’s a ton of money for most of the world, including a lot of people in the US these days. You should be very proud of yourself! Give kudos where it’s due.
对世界上大多数人来说这都算一大笔钱了（如今美国也有不少人如此）。你真该为自己感到骄傲！该赞就得赞。
Turbulent-Basil-6673
yeah you’re right. it’s easy to scroll instagram and feel like everyone else is rich, but compared to where i was (constantly in the negatives) this feels like a million bucks. thanks for the reminder to appreciate it.
你说得对。刷 Instagram 很容易让人感觉别人都很富有，但和我以前的情况（账户总是赤字）相比，这 500 美元对我来说简直像百万富翁。谢谢提醒我要知足感恩。
Bitter_Debt_5725
This is no easy feat. Great job, keep going!
这绝非易事。干得漂亮，继续加油！
SelicaLeone
You started 4 months ago? So another 4 months and you have over a thousand. Now that's a proper emergency fund. At your current rate, you'd put away 1500 a year, which ain't chump change. Keep at it, you're killing it.
你是 4 个月前开始存钱的？那再过 4 个月你就能攒到一千多了。这就算得上一个像样的应急基金了。按现在这个速度，你一年能存下 1500 块，可不是小数目啊。继续保持，你太棒了。
Chancellor_Themis
This is an amazing milestone! Congrats!
这真是个了不起的里程碑！恭喜你！
gabemalmsteen
That was me last year, keep working!
去年我也是这样，继续努力！
New_Maximum830
$500 in savings means $500 you didn't HAVE to spend to survive. That alone is something to celebrate. Everything adds up.
有 500 美元存款意味着你有 500 美元不是必须用来求生的。这本身就值得庆祝。所有的积蓄都会积少成多。
Diamond_Brand7
My first $500 became my first $1,000. That then balloons. Wait till you hit the 10k club! Woo hoo! I'm cheering your success!
我的第一个 500 美元变成了第一个 1000 美元。然后金额就开始滚雪球般增长。等着吧，等你加入万元俱乐部的那一刻！哇呼！为你的成功欢呼！
Ok-Fuel-234
Thank you for this shred of hope in your accomplishment!!! My husband and I are digging ourselves out of the trenches right now and it’s rough and will probably get worse before it gets better
感谢你这份成就带来的希望曙光！！！我和丈夫正在努力从困境中爬出来，现在很艰难，而且在情况好转前可能还会更糟
maroestrella
Man wishing you many blessings to come. I don’t know you but proud of your determination!
愿幸运常伴你左右。虽然素不相识，但为你的坚韧感到骄傲！
wasextricbar
That's wonderful, I'm so happy for you. Well done
太棒了，真为你感到高兴！干得漂亮！
Couldthisbemanda
More than me!
比我的存款还多！
chauhans55
That is a good start. Keep it up!
这是个很好的开始，继续加油！
Electrical_Travel832
That is HUGE! Congratulations and may you be on the way to lots more!
这简直是里程碑！恭喜你，愿你在致富路上越走越远！
Specific_Procedure32
I know we are just strangers, but I want you to know that it am incredibly proud of your accomplishment! The cycle of poverty is incredibly difficult to break. Its designed to make us afraid of doing the boring things because looking at finances can trigger that feeling of "I might be back there again." To stare at the facts, make the change, and create the relief you feel isn't a small accomplishment. Its huge and I am proud of you!
我知道我们只是陌生人，但我想告诉你：我为你的成就感到无比自豪！贫困的循环很难打破，这个系统就是设计来让我们害怕做那些枯燥的事——因为查看财务状况总会触发"我可能又会陷入那种境地"的恐惧。能够直面现实、做出改变、最终获得如释重负的感觉，这绝非小小的成就。这太了不起了，我为你骄傲！
Solid_Knowledge4907
I am happy for you. That is indeed an accomplishment. Especially in this economy. Now you can keep going.Blessings to you.
真为你感到高兴！这确实是值得骄傲的成就，尤其是在当前经济形势下。继续坚持下去吧，祝福你！
JohnandTurk
That is huge! Many of us who are now financially stable remember our start too. Just keep adding, no matter how small. Commit and you will be surprised how it will grow! Thx for sharing.
这太了不起了！现在我们经济状况稳定的许多人也都记得自己的起点。继续存钱吧，金额再小也没关系。坚持住，你会惊讶地看到它是如何增长的！感谢分享。
Downtown-Limit-7227
Congrats!!! Now, just admire it, don't spend it! We want to see you back here when you hit $1,000 :)
恭喜啊！！！现在只要欣赏它就好，别花掉！我们想看到你存到 1000 美元时再回来分享 :)
t0mb3rt
I'm having a bit of a stressful day but reading this made me so stoked for you and so happy that you have a bit less stress in your life. Thanks for cheering me up!
今天我有点压力，但读到这个让我为你感到无比兴奋，也为你生活中的压力减轻了一些而高兴。谢谢你让我振作起来！
bpxv
for some reason i’m very happy for you!! you’re awesome… this felt where i was back then… keep going!!
不知为何我真心为你感到高兴！！你太棒了...这让我想起了当年的自己...继续加油！！
Whattheheckinfosec
That's great and it's definitely something to feel really good about!
这真的太棒了，绝对值得好好庆祝！
RED-DOT-MAN
This is huge OP and congratulations! Stay at it and soon that $500 will turn to $5000. Good luck and Happy Thanksgiving.
这是巨大的进步啊楼主，恭喜你！坚持下去，很快 500 美元就会变成 5000 美元。祝你好运，感恩节快乐！
-thestar-
Never forget this. In a few years when you have more keep remembering it.
永远记住这一刻。几年后当你拥有更多财富时，也要一直记得今天的感觉。
I was once in your situation and when I hit $1000 I treated myself to $7 cheese from the grocery store. Many years later and much better financially I still believe the $7 cheese is a treat.
我曾和你有同样的处境，当账户里攒到 1000 美元时，我去超市买了 7 美元的奶酪犒劳自己。多年后经济状况好转，我依然觉得 7 美元的奶酪是种享受。
It makes you stronger
这让你更强大
Ashtray_Floors
I cried when I got 50k in my account. It was mostly because my mom was dead, though.
当我账户里有 5 万时我哭了，不过主要是因为那时我妈妈去世了。
Seriously, congratulations. I know the struggle.
真心祝贺你，我懂这种挣扎的感受。
puglyfe12
Yayayaya!!! Excellent work
呀呀呀呀！！！干得漂亮
UntappdBeer
Keep setting goals, yea you'll have to take hits now and then as stuff needs to be fixed etc but having that buffer helps and makes things easier. Well done
继续设定目标吧，虽然偶尔会遇到需要花钱维修之类的情况，但有了这笔备用金就能轻松应对。做得好
apollos98
Open up an acorns account or a roth ira for yourself with that money! And congratulations!
用这笔钱为自己开一个橡子账户或roth ira（罗斯退休帐户）！恭喜你!
Glittering_Win_9677
Which feels better, the money in the bank or the energy drinks? That's what I thought. Congratulations!
银行里的存款和能量饮料，哪个感觉更爽？我就知道你会选存款。恭喜啊！
Meghanshadow
Yeah, it’s definitely the energy drinks.
才怪，绝对是能量饮料更带劲。
The Responsible choice is the quiet whisper of the savings account. The Loud, Insistent, Repetitive voice is the energy drink.
储蓄账户里安静的低语代表着理性选择，而能量饮料却是那个响亮、固执、不断重复的声音。
Glittering_Win_9677
I had atypo that I corrected. It should have been feels, not calls, although the fun things ARE what has the loud call.
我之前打错了字已经修改。本来应该是"感觉"而不是"呼唤"，不过那些有趣的事物确实有着最响亮的呼唤。
AmItheonlySaneperson
Im debating buying a 500$ crossbody bag rn
我正在纠结要不要现在就买个 500 美元的斜挎包
No_Poem786
If you believe you can maintain discipline and trust yourself not to screwup, consider putting some or all of that money in a secured credit card to start building your credit. This is where discipline comes in because you’re going to need to use it like a debit card and avoid going into debt.
如果你相信自己能保持自律，确保不会搞砸，可以考虑把这笔钱的一部分或全部存入一张担保信用卡来开始建立信用记录。关键是要保持纪律性，你需要像使用借记卡一样去使用它，避免陷入债务。
At the same time continue saving another $500 then $600 and accelerate your growth by taking advantage of checking account sign up bonuses which require a minimum amount of direct deposits over a certain amount of time.
同时继续存下另外 500 美元，然后是 600 美元，并通过利用支票账户开户奖金来加速财富积累——这些奖金通常要求在一定时间内完成最低限额的直接存款。
MissPrintedMargo
Good Job! You deserve a moment of celebration for your hard work! It is not about the amount, but it is about the amount of effort!
干得漂亮！你的辛勤付出值得好好庆祝一番！重要的不是金额多少，而是你付出的不懈努力！
EarthWindFire8489
Now think about how you will feel if you get it to $1000. If you have the ability to save then you can save. And im saying this to myself as well. You got this.
现在想想当你存到 1000 美元时的感受。既然你有能力储蓄，就一定能做到。这话也是对我自己说的。你能行的。
disharmony-hellride
This is AMAZING!!!! YES!!!!! You should be proud, and growing that savings is SUCH a good feeling. Remember, stress affects our entire body - not just our minds, it physically harms our cells. Having even $500 saved in case there's an emergency can mean the difference between you being able to focus on your family and handle a problem vs worrying so much you aren't sleeping. Congrats, I am proud of you, reddit stranger. Keep going!!! Have a great holiday!
这太棒了！！！！太为你高兴了！！！！你应该感到骄傲，看着存款增长的感觉实在太美妙了。记住，压力会影响整个身体——不仅是心理，还会物理伤害我们的细胞。拥有哪怕 500 美元的应急存款，可能就意味着你能安心照顾家庭解决问题，而不是担心得彻夜难眠。祝贺你，我为素不相识的 Reddit 网友感到骄傲。继续加油！祝你节日快乐！
NopeThisTrope
Congratulations. The first step is the hardest. Ask any of your friends if they have a Simplii or Tangerine bank account. Ask them to give you a refer a friend lix. Your friend/family member will get $150 if you sign up, and you’ll get $50. The bonus happens after 30 days or so. Open a HISA. Both those banks give great bonus interest for the first six (?) months. It has made a huge difference in a short time for my kids and I saving.
恭喜。最难的是迈出第一步。问问你的朋友是否持有 Simplii 或 Tangerine 银行账户，让他们给你发推荐链接。如果你开户成功，推荐人将获得 150 加元奖励，你也能得到 50 加元。奖励金大约 30 天后到账。记得开立高息储蓄账户（HISA），这两家银行前 6(?)个月都提供丰厚的新客优惠利率。短期内这为我和孩子们的储蓄带来了巨大改观。
You’re doing great. Keep it up
你做得太棒了，继续坚持下去
Fantastic-Nothing333
Congratulations! I know this feeling. I felt so happy when I had $50 in my savings so I can't imagine what $500 feels like. I can't wait to have that much saved.
恭喜！我完全懂这种感受。当初我储蓄账户里有 50 美元时就高兴坏了，500 美元的感觉简直不敢想。真盼着哪天我也能存到这个数。
brokenmolly
Dude energy drinks were harder to quit then nicotine for me too. Actually I haven’t quit them, I did but I’m back on them heavier than ever.
兄弟，对我来说戒能量饮料比戒烟还难。其实我现在也没戒掉，虽然戒过一阵但现在喝得比以前更凶了。
NotYourKidFromMoTown
You have take the first and often most difficult step in your path to financial freedom. Remember always that it isn't about having a big account, it's about the choices that having money provides.
你已经迈出了通往财务自由道路上最艰难的第一步。永远要记住，重点不在于账户里有多少钱，而在于有钱之后能做出的选择。