When you start building wealth at a young age, that wealth has more time to grow. Cumulative interest and investment gains can add up over time, leaving you much wealthier if you make the right decisions early. Money expert Humphrey Yang understands the value of early money lessons. In a recent video on his YouTube channel, he shares money lessons he wishes he’d learned earlier in life — though, still in his 30s, he still has time to apply them himself. 1. Income Matters More Than Expenses Money expert ...

财务状况分析 - 家庭年收入为85,000美元，但每月支出超过收入约1,000美元，处于入不敷出的状态 [2] - 家庭获得约200,000美元的遗产，部分存入储蓄账户，部分投入共同基金 [2] - 家庭尚未还清抵押贷款，而遗产资金足以偿还剩余余额 [3] 摩托车购买决策 - 计划购买哈雷戴维森Low Rider S摩托车，总成本约为30,000美元，并打算用现金支付 [1][2] - 尽管购买摩托车会带来乐趣，但鉴于家庭财务状况，不建议立即进行此项采购 [1][3] 资产价值与成本分析 - 摩托车属于贬值资产，第一年价值可能下降15%至25%，随后几年每年贬值约7%至10% [4] - 购买后一年，30,000美元的摩托车价值可能降至约22,500美元 [4] - 除购车成本外，每年保险费用约为164.23美元，还需考虑汽油和维护等持续支出 [5] 资金机会成本 - 若将30,000美元用于投资，假设年回报率为7%，10年后价值可能增长至59,000美元 [6]