Similarly, you could probably bolster your overall financial return by taking money out of your savings account and using it to pay down your auto loan and mortgage.

• 怎么理解所有这些数字呢？首先，分别计算总资产和总负债。你的资产包括你拥有的任何很容易变现的东西，包括你的房产、股票基金、债券、支票帐户和活期帐户。