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参考文献 “10 Reasons Why You Should Save Money（Even When Borrowing Is Cheap and Easy）.”Mymoneycoach.com. Accessed September 22, 2015.http://www.mymoneycoach.ca/saving-money/why-save-money. “1975 Economy/Prices.” 1970sFlashback.com.Accessed July 28, 2015.http://www.1970sflashback.com/1975/Economy.asp. “1995 Economy/Prices.” 1990sflashback. Accessed August 2, 2015.http://www.1990sflashback.com/1995/Economy.asp. Asmundson, Irena, and Ceyda Oner.“What Is Money?” Finance & Development, Vol.49, No.3, September 2012.Accessed August 2, 2015.http://www.imf.org/external/pubs/ft/fandd/2012/09/basics.htm. “Average Salaries for Americans—Median Salaries for Common Jobs.” Foxbusiness.com.July 9, 2015.Accessed November 1, 2015.http://www.foxbusiness.com/personal-finance/2015/07/09/average-salaries-for-americans-median-salaries-for-common-jobs/. Bank of America.“Annual Reports & Proxy Statements.” Accessed October 30, 2015.http://investor.bankofamerica.com/phoenix.zhtml?c=71595&p=irol-reportsannual# fbid=dSyS8TA3bAB. Biedenweg Ph.D, Karl. Basic Economics. Illinois: Mark Twain Media, Inc., 1999. Biedenweg Ph.D, Karl. Personal Finance.North Carolina: Mark Twain Media, Inc., 1999. Bloomberg.“Markets Cross Rates” Accessed November 15, 2015.http://www.bloomberg.com/markets/currencies/ cross-rates. Bureau of Labor Statistics.“Average Retail Food and Energy Prices, U.S.and Midwest Region.”Accessed October 30, 2015.http://www.bls.gov/regions/mid-atlantic/data/Average-RetailFoodAndEnergyPrices_USandMidwest_Table.htm. Bureau of Labor Statistics.“May 2014 National Occupational Employment and Wage Estimates United States.”Accessed October 30, 2015.http://www.bls.gov/oes/current/oes_nat.htm. “Charitable Impact Calculator.” Thelifeyoucansave.org. Accessed October 31, 2015.http://www.thelifeyoucansave.org/Impact-Calculator. CNN.“Markets.” Accessed November 12, 2015.http://money.cnn.com/data/markets/. “Credit Education: The Devastating Effects of Bankruptcy.”Lexingtonlaw.com.December 9, 2010.Accessed......