• Reasons to Save – Identify common goals like emergencies, school, big purchases, and future comfort.
  
  
• Goal Timelines – Distinguish short-, mid-, and long-term savings to plan how much and how long to set money aside.
  
  
• Emergency Funds – Explain why an 应急基金 is a first priority and how it protects against surprise costs.
  
  

Growth vs. Erosion 了解如何 interest grows savings and how inflation shrinks buying power, guiding where to keep money.