You’ll need them to make a longer-term goal, such as a trip once they graduate, if you have a teen-ager, or a down payment on a car, or even something a little smaller.

你要做的是引导他们制定一个长远目标，比如毕业之后的人生之路，假如他们有了一个十来岁的孩子，买了一辆预付定金的车或是其他小事。

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For most people, the smart way to buy a home is to make a big down payment.

对于大多数人来说，聪明的办法是购房时首期付款尽可能多支付。

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Avoiding PMI The easiest way to avoid PMI is to make a cash down payment of 20% or more.

避免死亡是最容易的死亡方式，避免现金作首付20%或更多。

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Those who learn how to manage money during this time will learn to build the savings required to make a down payment on a future home, buy cars without the help of a lease or high-interest loan and eventually afford the joys that real financial freedom offers, such as frequent vacations or early retirement.

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These households tend to be younger, often have relatively new credit profiles, lower-than-average credit scores and fewer economic resources to make a large down payment, the report said.

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And we think that that good faith and willingness helped, in the end, allow for everyone the come together and achieve a result that, while not ideal, did avert a crisis and did allow us to make a significant down payment on the need to reduce the deficit.

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