Moreover, unlike with an individual retirement account, you don't need earned income to fund a variable annuity, so you can open an account for a toddler.

此外，不象个人退休帐户，可变年金账户并不需要靠固定收入来维持。所以你甚至可以给婴儿开设这样的账户。

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In addition to the obvious of putting money into a retirement fund or savings account, there are hundreds of ways to save money.

除了将钱存进退休基金或储蓄账户中去，还有其它上百种存钱方式。

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She uses aftertax salary--no big sacrifice, given her low bracket--to fund a Roth individual retirement account.

FORBES

But he now had extra income from moonlighting and wondered whether he should use it to fund a tax-deductible SEP-IRA (a special individual retirement account for the self-employed), or should pour his extra savings into the 529s.

FORBES: 11 Ways To Tap Retirement Cash Early, Without A 10% Penalty

If trimming spending doesn't get you to that magic number, consider temporarily cutting back on contributions to your individual retirement account or 401(k) and using that money to bolster your emergency fund, says Mr. Weingarten.

WSJ: Your Emergency Fund Needs a Boost