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Sebagian Orang Habiskan 70 Persen Gaji untuk Tiga Hal Ini Menabung uang dengan cermat selama 40 tahun karier untuk dana pensiun merupakan hal yang menantang. Grant Sabatier, miliarder pencetus blog keuanganMillennial Money mengatakan, mengatur gaya hidup bukan hal mudah, terutama bagi karyawan muda. Meski demikian, menurutnya hal itu perlu diupayakan karena semakin banyak uang yang dihabiskan hari ini berarti lebih sedikit yang bisa ditabung untuk masa tua. Ia menyebutkan, rata-rata warga Amerika Serikat menghabiskan 70 persen uang mereka untuk biaya bermukim (sewa atau cicilan rumah), transportasi, dan makanan. Sabatier menyampaikan, persentase pengeluaran seseorang di sejumlah kota bisa lebih besar dibandingkan kota lain. Cermat menekan ketiga biaya tersebut bisa jadi peluang besar untuk secara realistis meningkatkan jumlah tabungan hingga 25 persen atau lebih. Untuk melakukannya, Sabatier menganjurkan tiap orang untuk mengatur keuangan dengan lebih kreatif. Ia mengingatkan agar tidak termasuk sepertiga masyarakat yang boros dalam biaya bermukim dan menetapkan standar sewa kediaman maksimal sebesar 30 persen dari pendapatan sebelum pajak. Ia juga mengutip data Biro Statistik Tenaga Kerja AS bahwa biaya transportasi menjadi pengeluaran terbesar lain, utamanya bagi pemilik kendaraan pribadi. Memiliki kendaraan memang penting, tapi saran Sabatier adalah membeli secara tunai atau mengambil masa kredit paling banyak tiga sampai empat tahun. Soal pengeluaran pada aspek makanan, Sabatier menyarankan untuk memasak sendiri daripada membeli makanan di luar atau sering nongkrong di kafe. Ia pun mengingatkan untuk memangkas dana kurang perlu seperti cemilan atau suplemen ekstra karena sebagian besar vitamin dianggapnya hanya buang-buang uang. "Pada akhirnya, semua tergantung pada pilihan pribadi tiap orang. Tetapi tidak ada salahnya pindah ke apartemen yang lebih kecil, tinggal lebih dekat ke kantor, dan mengurangi makan di luar untuk membuat perbedaan besar di masa mendatang," kata Sabatier, dilansir dari lamanIndependent .