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id=\"h-\u30b7\u30f3\u30d7\u30eb\u306a\u53ce\u652f\u8868\u304b\u3089\u8a73\u7d30\u306a\u53ce\u652f\u8868\u306b\u5909\u8eab\u3055\u305b\u308b\">\u30b7\u30f3\u30d7\u30eb\u306a\u53ce\u652f\u8868\u304b\u3089\u8a73\u7d30\u306a\u53ce\u652f\u8868\u306b\u5909\u8eab\u3055\u305b\u308b\uff01<\/h2>\n\n\n\n<p>\u3053\u306e\u8a18\u4e8b\u3067\u306f\u3001\u3059\u3067\u306b\u51fa\u6765\u4e0a\u304c\u3063\u3066\u3044\u308b\u3053\u306e\u5e74\u9593\u53ce\u652f\u8868\u306e\u5185\u8a33\u3092\u8abf\u3079\u3066\u3044\u304d\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u30b7\u30f3\u30d7\u30eb\u306a\u53ce\u652f\u8868\u3092\u3001\u3060\u3093\u3060\u3093\u3068\u3088\u308a\u8a73\u7d30\u306a\u53ce\u652f\u8868\u306b\u5909\u8eab\u3055\u305b\u3066\u3044\u304d\u307e\u3059\u3002\u6700\u7d42\u7684\u306b\u306f\u3001\u305d\u306e\u60c5\u5831\u3092\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306b\u843d\u3068\u3057\u8fbc\u307f\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:41px\" 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id=\"h-\u30c1\u30a7\u30c3\u30af\u3067\u306e\u652f\u6255\u3044\">\u30c1\u30a7\u30c3\u30af\u3067\u306e\u652f\u6255\u3044<\/h3>\n\n\n\n<p>\u6700\u8fd1\u3067\u306f\u30c1\u30a7\u30c3\u30af\u3092\u66f8\u3044\u3066\u652f\u6255\u3044\u3059\u308b\u3053\u3068\u304c\u5c11\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u3002\u30c1\u30a7\u30c3\u30af\u652f\u6255\u3044\u306f\u3001\u76f4\u63a5\u9280\u884c\u53e3\u5ea7\u304b\u3089\u304a\u91d1\u304c\u304a\u308a\u307e\u3059\u304b\u3089\u3001\u9280\u884c\u53e3\u5ea7\u3068\u7d50\u3093\u3067\u304f\u3060\u3055\u3044\u3002\u652f\u51fa\u306a\u306e\u3067\u30b0\u30ea\u30fc\u30f3\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u3055\u3066\u3001\u304a\u91d1\u306e\u6d41\u308c\u56f3\u304c\u3067\u304d\u305f\u3089\u3001\u304a\u91d1\u306e\u6d41\u308c\u304c\u898b\u3048\u307e\u3057\u305f\u306d\u3002\u3053\u3053\u304b\u3089\u304a\u91d1\u306e\u51fa\u5165\u308a\u306e\u628a\u63e1\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:55px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u9280\u884c\u53e3\u5ea7\u306b\u51fa\u5165\u308a\u3059\u308b\u4e00\u5e74\u5206\u306e\u984d\u3092\u628a\u63e1\u3059\u308b\">\u9280\u884c\u53e3\u5ea7\u306b\u51fa\u5165\u308a\u3059\u308b\u4e00\u5e74\u5206\u306e\u984d\u3092\u628a\u63e1\u3059\u308b<\/h2>\n\n\n\n<p>\u3055\u3066\u5148\u307b\u3069\u4f5c\u3063\u305f\u56f3\u3067\u3001\u9280\u884c\u53e3\u5ea7\u3068\u7d50\u3093\u3060\u7dda\u306b\u76ee\u3092\u7559\u3081\u307e\u3059\u3002\u4e0b\u306e\u56f3\u3067\u306f\u3001\u552f\u4e00\u306e\u30aa\u30ec\u30f3\u30b8\u306e\u7dda\u304c\u53ce\u5165\u9805\u76ee\u3067\u3001\u624b\u53d6\u308a\u53ce\u5165\u306e\u5165\u91d1\u3067\u3059\u3002\u4e00\u5e74\u5206\u306e\u624b\u53d6\u308a\u53ce\u5165\uff08\u9280\u884c\u53e3\u5ea7\u3078\u306e\u5165\u91d1\u984d\uff09\u3067\u3059\u3002\u3053\u308c\u306f\u3059\u3067\u306b\u628a\u63e1\u305a\u307f\u3067\u3001$60,000\u3067\u3057\u305f\u3002<\/p>\n\n\n\n<p>\u6b21\u306b\u3001\u6570\u5b57\u306e\uff11\uff5e5\u3067\u8a18\u3055\u308c\u305f\u30b0\u30ea\u30fc\u30f3\u306e\u7dda\u306f\u3001\u9280\u884c\u53e3\u5ea7\u304b\u3089\u652f\u6255\u308f\u308c\u305f\u652f\u51fa\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u306e\u7dda\u3072\u3068\u3064\u3072\u3068\u3064\u3092\u3001\u53e3\u5ea7\u660e\u7d30\u4e0a\u3067\u8ffd\u3063\u3066\u3044\u304d\u307e\u3059\u3002\u307e\u305a\u306f\uff11\u304b\u3089\u59cb\u3081\u3066\u3001\u9280\u884c\u306e\u53e3\u5ea7\u660e\u7d30\u3067\uff11\u306b\u95a2\u3059\u308b\u30a8\u30f3\u30c8\u30ea\u30fc\u3092\u898b\u3064\u3051\u305f\u3089\u3001\u305d\u308c\u3092\u30de\u30fc\u30af\u3057\u3001\u3059\u3079\u3066\u984d\u3092\u66f8\u304d\u51fa\u3057\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u6700\u7d42\u7684\u306b\u306f\u3059\u3079\u3066\u30921\u5e74\u5206\u30c8\u30fc\u30bf\u30eb\u3057\u305f\u984d\u3092\u8a08\u7b97\u3057\u66f8\u304d\u7559\u3081\u307e\u3059\u3002\u3053\u308c\u3092\uff11\u304b\u3089\uff15\u307e\u3067\u3059\u3079\u3066\u306b\u884c\u3044\u307e\u3059\u3002Excel\u306a\u3069\u3092\u4f7f\u3046\u3068\u4fbf\u5229\u3067\u304b\u3064\u7c21\u5358\u3067\u8a08\u7b97\u30df\u30b9\u3082\u9632\u3052\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u7e70\u308a\u8fd4\u3057\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u53e3\u5ea7\u660e\u7d30\u306e\u4e0a\u3067\u3001\u30ab\u30a6\u30f3\u30c8\u3057\u305f\u9805\u76ee\u3092\u30de\u30fc\u30af\u3059\u308b\uff08\u30cf\u30a4\u30e9\u30a4\u30c8\u306a\u3069\u3067\uff09\u306e\u3092\u5fd8\u308c\u306a\u3044\u3067\u304f\u3060\u3055\u3044\u3002\u3042\u3068\u3042\u3068\u3001\u898b\u843d\u3068\u3057\u304c\u306a\u3044\u304b\u8abf\u3079\u308b\u306e\u306b\u5f79\u306b\u7acb\u3061\u307e\u3059\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture2.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture2.png?resize=624%2C428&#038;ssl=1\" alt=\"\u4e16\u754c\u3067\u4e00\u756a\u30b7\u30f3\u30d7\u30eb\u5bb6\u8a08\u7c3f\u3000\u9280\u884c\u53e3\u5ea7\u3067\" class=\"wp-image-6259\" width=\"624\" height=\"428\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture2.png?w=575&amp;ssl=1 575w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture2.png?resize=300%2C206&amp;ssl=1 300w\" sizes=\"auto, (max-width: 624px) 100vw, 624px\" \/><\/a><figcaption>\u9280\u884c\u53e3\u5ea7\u660e\u7d30\u3067\u652f\u51fa\u3092\u8ffd\u8de1\u3059\u308b<\/figcaption><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\uff11-\u81ea\u52d5\u5f15\u304d\u843d\u3068\u3057\u30a2\u30a4\u30c6\u30e0\">\uff11\uff0e\u81ea\u52d5\u5f15\u304d\u843d\u3068\u3057\u30a2\u30a4\u30c6\u30e0<\/h3>\n\n\n\n<p>\u305d\u308c\u305e\u308c\u306e\u30a2\u30a4\u30c6\u30e0\u3054\u3068\u306b\u4e00\u5e74\u5206\u306e\u30c8\u30fc\u30bf\u30eb\u3092\u8a08\u7b97\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<p>\u30ec\u30f3\u30c8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $12,000<\/p>\n\n\n\n<p>\u96fb\u6c17\u30fb\u6c34\u9053 \u3000$954<\/p>\n\n\n\n<p>\u30ac\u30b9 \u3000\u3000\u3000\u3000\u3000$592<\/p>\n\n\n\n<p>\u8caf\u91d1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $2,400<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\uff12-\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u652f\u6255\u3044\">\uff12\uff0e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u652f\u6255\u3044<\/h3>\n\n\n\n<p>\u305d\u308c\u305e\u308c\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u652f\u6255\u3044\u3054\u3068\u306b\u4e00\u5e74\u5206\u306e\u30c8\u30fc\u30bf\u30eb\u3092\u8a08\u7b97\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<p>\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9A&nbsp;&nbsp;&nbsp; $16,231<\/p>\n\n\n\n<p>\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9B&nbsp;&nbsp;&nbsp; $17,410<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\uff13-\uff14-\uff15-\u305d\u306e\u4ed6\u3082\u540c\u69d8\u306b\">\uff13\uff0e\uff14\uff0e\uff15\uff0e\u305d\u306e\u4ed6\u3082\u540c\u69d8\u306b<\/h3>\n\n\n\n<p>\u540c\u69d8\u306b\u3001\uff14\u306eAMT\/\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u652f\u6255\u3044\u3001\uff15\u306eVenmo\u3084Zelle\u652f\u6255\u3044\u3001\uff16\u306e\u30c1\u30a7\u30c3\u30af\u3067\u306e\u652f\u6255\u3044\u3082\u4e00\u5e74\u5206\u306e\u30c8\u30fc\u30bf\u30eb\u3092\u51fa\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u4f8b\uff09ATM\u73fe\u91d1\u5f15\u304d\u51fa\u3057&nbsp;&nbsp;&nbsp; $1,200<\/p>\n\n\n\n<p>Venmo\u652f\u6255\u3044 $532<\/p>\n\n\n\n<p>\u30c1\u30a7\u30c3\u30af\u652f\u6255\u3044&nbsp;&nbsp; $546<\/p>\n\n\n\n<p>\u3053\u308c\u3067\u4e00\u5e74\u30c8\u30fc\u30bf\u30eb\u3067\u306e\u9280\u884c\u53e3\u5ea7\u304b\u3089\u306e\u652f\u51fa\u304c\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u307e\u3057\u305f\u3002<\/p>\n\n\n\n<div style=\"height:42px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u5e74\u9593\u53ce\u652f\u8868-\u5909\u8eab\u30b9\u30c6\u30fc\u30b8\uff11\">\u5e74\u9593\u53ce\u652f\u8868\u3000\u2015\u3000\u5909\u8eab\u30b9\u30c6\u30fc\u30b8\uff11<\/h2>\n\n\n\n<p>\u5e74\u9593\u53ce\u652f\u8868\u306e\u652f\u51fa\u306e\u90e8\u5206\u306b\u3001\u4eca\u308f\u304b\u3063\u305f\u60c5\u5831\u3092\u5165\u308c\u3066\u307f\u307e\u3059\u3002\u3053\u3093\u306a\u3075\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture3.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"354\" height=\"364\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture3.png?resize=354%2C364&#038;ssl=1\" alt=\"\u9280\u884c\u660e\u7d30\u3000\u5bb6\u8a08\u7c3f\" class=\"wp-image-6260\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture3.png?w=354&amp;ssl=1 354w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture3.png?resize=292%2C300&amp;ssl=1 292w\" sizes=\"auto, (max-width: 354px) 100vw, 354px\" \/><\/a><figcaption>\u5909\u8eab\u30b9\u30c6\u30fc\u30b8\uff11<\/figcaption><\/figure>\n<\/div>\n\n\n<p>\u5c11\u3057\u3060\u3051\u3001\u5bb6\u8a08\u7c3f\u3063\u307d\u304f\u306a\u308a\u307e\u305b\u3093\u304b\uff1f<\/p>\n\n\n\n<div style=\"height:43px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u3053\u3053\u307e\u3067\u3067\u30ea\u30b9\u30c8\u3057\u3066\u3044\u306a\u3044\u51fa\u5165\u91d1\u304c\u3042\u3063\u305f\u3089\">\u3053\u3053\u307e\u3067\u3067\u30ea\u30b9\u30c8\u3057\u3066\u3044\u306a\u3044\u51fa\u5165\u91d1\u304c\u3042\u3063\u305f\u3089\uff1f<\/h3>\n\n\n\n<p>\u3082\u3057\u3082\u3001\u53e3\u5ea7\u660e\u7d30\u3092\u898b\u3066\u3044\u3066\u3001\u4eca\u30de\u30fc\u30af\u3057\u305f\u4ee5\u5916\u306b\u3082\u304a\u91d1\u304c\u51fa\u5165\u308a\u3057\u3066\u3044\u308b\u3082\u306e\u304c\u3042\u3063\u305f\u3089\u3001\u305d\u308c\u304a\u91d1\u306e\u6d41\u308c\u56f3\u3092\u3064\u304f\u308b\u3068\u304d\u898b\u843d\u3068\u3057\u3066\u3044\u308b\u9805\u76ee\u3067\u3059\u3002\u304a\u91d1\u306e\u6d41\u308c\u56f3\u306b\u5165\u308c\u308b\u3079\u304d\u30a2\u30a4\u30c6\u30e0\u3067\u3042\u308c\u3070\u3001\u66f8\u304d\u5165\u308c\u3001\u5408\u8a08\u984d\u3082\u8a08\u7b97\u3057\u3066\u304f\u3060\u3055\u3044\u3002\u305d\u308c\u3089\u304c\u5c0f\u3055\u306a\u984d\u3067\u3042\u3063\u305f\u308a\u3001\u3044\u3064\u3082\u3042\u308b\u308f\u3051\u3067\u306f\u306a\u3044\u7279\u5225\u306a\u3082\u306e\u3067\u3042\u308c\u3070\u3001\u300c\u305d\u306e\u4ed6\u300d\u3068\u3044\u3046\u304f\u304f\u308a\u3092\u3064\u304f\u3063\u3066\u307e\u3068\u3081\u3066\u3057\u307e\u3063\u3066\u3001\u305d\u306e\u5408\u8a08\u984d\u3092\u5165\u308c\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<div style=\"height:49px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1\u30bb\u30f3\u30c8-1\u30c9\u30eb\u306e\u5358\u4f4d\u3067\u5408\u308f\u305b\u3088\u3046\u3068\u3057\u306a\u3044\">1\u30bb\u30f3\u30c8\u30011\u30c9\u30eb\u306e\u5358\u4f4d\u3067\u5408\u308f\u305b\u3088\u3046\u3068\u3057\u306a\u3044<\/h3>\n\n\n\n<p>\u3053\u3053\u3067\u5927\u5207\u306a\u306e\u306f\u3001\u4eca\u3057\u3066\u3044\u308b\u3053\u3068\u306f\u5927\u304d\u306a\u30c8\u30ec\u30f3\u30c9\u3092\u3064\u304b\u3093\u3067\u5bb6\u8a08\u628a\u63e1\u3092\u3059\u308b\u3053\u3068\u3060\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u30021\u30c9\u30eb\u30011\u30bb\u30f3\u30c8\u306e\u5358\u4f4d\u3067\u4f1a\u8a08\u76e3\u67fb\u3059\u308b\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u6570\u5341\u30c9\u30eb\u306e\u5dee\u3067\u3042\u308c\u3070\u3001\u7121\u8996\u3057\u3066\u3082\u5927\u4e08\u592b\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u51e0\u5e33\u9762\u306a\u65b9\u306a\u3089\u3001\u7d30\u304b\u3044\u3068\u3053\u308d\u307e\u3067\u304d\u3063\u3061\u308a\u5408\u308f\u306a\u3044\u3068\u6c17\u5206\u304c\u60aa\u3044\u3068\u3044\u3046\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u3067\u3057\u3087\u3046\u306d\u3002\u3082\u3061\u308d\u3093\u3001\u305d\u308c\u304c\u3067\u304d\u308c\u3070\u305d\u3046\u3059\u308b\u306e\u3082\u3044\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u305f\u3060\u3001\u6848\u5916\u52b4\u529b\u304c\u304b\u304b\u308a\u307e\u3059\u3057\u3001\u9014\u4e2d\u3067\u3044\u3084\u306b\u306a\u308b\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002\u76e3\u67fb\u3067\u306f\u306a\u3044\u306e\u3067\u3001100%\u306e\u6b63\u78ba\u6027\u306f\u5fc5\u8981\u3042\u308a\u307e\u305b\u3093\u3002\u5bb6\u8a08\u306e\u628a\u63e1\u3068\u8a3a\u65ad\u306e\u305f\u3081\u306b\u306f\u3001<strong>\u3042\u308b\u7a0b\u5ea6\u6b63\u78ba\u3067\u3042\u308b<\/strong>\u3053\u3068\u304c\u5fc5\u8981\u306a\u3060\u3051\u3067\u3059\u3002\u3042\u308b\u7a0b\u5ea6\u6b63\u78ba\u3068\u306f\u3069\u3046\u3044\u3046\u3053\u3068\u304b\u3068\u3044\u3046\u3068\u3001<strong>\u305d\u306e\u6570\u5b57\u3092\u3082\u3068\u306b\u5224\u65ad\u3057\u305f\u308a\u3001\u4eca\u5f8c\u306e\u65b9\u91dd\u3092\u8003\u3048\u305f\u308a\u3057\u3066\u554f\u984c\u304c\u51fa\u306a\u3044\u7a0b\u5ea6\u6b63\u78ba<\/strong>\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u901a\u5e38\u3001\u5e74\u9593\u3067\u6570\u5341\u30c9\u30eb\u5358\u4f4d\u306e\u8aa4\u5dee\u306a\u3089\u3070\u3001\u6708\u5272\u308a\u306b\u3057\u3066\u6570\u30c9\u30eb\u3067\u3059\u304b\u3089\u554f\u984c\u306f\u8d77\u3053\u308a\u307e\u305b\u3093\u3002\u305f\u3068\u3048\u3001\u5e74\u9593\u6570\u767e\u30c9\u30eb\u306e\u5dee\u3067\u3082\u3001\u5e74\u53ce\u3084\u652f\u51fa\u306e\u984d\u3068\u306e\u76f8\u5bfe\u7684\u306a\u95a2\u4fc2\u306b\u3082\u306a\u308a\u307e\u3059\u304c\u3001\u554f\u984c\u304c\u306a\u3044\u5834\u5408\u3082\u591a\u3044\u3067\u3059\u3002\u8aa4\u5dee\u304c\u6570\u767e\u30c9\u30eb\u4ee5\u4e0a\u3060\u3068\u3001\u4f55\u304c\u539f\u56e0\u304b\u306f\u9280\u884c\u660e\u7d30\u3092\u898b\u306a\u304a\u3057\u3066\u8ffd\u8de1\u3057\u3066\u307f\u305f\u307b\u3046\u304c\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<p>\u3044\u3084\u306b\u306a\u3063\u3066\u9014\u4e2d\u3067\u6295\u3052\u51fa\u3059\u3088\u308a\u306f\u3001\u305f\u3068\u3048\u591a\u5c11\u7c97\u304f\u3066\u3082\u4f55\u3089\u304b\u306e\u7d50\u679c\u304c\u51fa\u308b\u307b\u3046\u304c\u3088\u3044\u3067\u3059\u3002\u5224\u65ad\u306f\u305d\u306e\u5bb6\u8a08\u3054\u3068\u306b\u3055\u308c\u308b\u3079\u304d\u3053\u3068\u306a\u306e\u3067\u3001\u5224\u65ad\u304c\u3064\u306a\u3051\u308c\u3070\u3068\u306b\u304b\u304f\u305d\u306e\u65e8\u8a18\u9332\u3060\u3051\u3057\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002\u8a18\u9332\u3060\u3051\u3057\u3066\u304a\u3051\u3070\u3001\u5f8c\u3067\u7c21\u5358\u306b\u623b\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:72px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u3055\u3089\u306b\u7d30\u304b\u304f\u8ffd\u8de1\u3067\u304d\u308b\u3068\u3053\u308d\u3092\u8abf\u3079\u308b\">\u3055\u3089\u306b\u7d30\u304b\u304f\u8ffd\u8de1\u3067\u304d\u308b\u3068\u3053\u308d\u3092\u8abf\u3079\u308b<\/h2>\n\n\n\n<p>\u3055\u3066\u3053\u3053\u307e\u3067\u6765\u305f\u3089\u3001\u4eca\u5ea6\u306f\u307e\u3060\u7d30\u304b\u304f\u8ffd\u8de1\u3067\u304d\u308b\u3068\u3053\u308d\u3092\u3055\u3089\u306b\u9032\u3093\u3067\u3044\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\">\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9<\/h3>\n\n\n\n<p>\u307e\u305a\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u3059\u3002\u30ab\u30fc\u30c9\u3054\u3068\u306b\u898b\u3066\u3044\u304f\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u3053\u3053\u3067\u4fbf\u5229\u306a\u306e\u304c\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e\u304c\u81ea\u52d5\u7684\u306b\u7528\u610f\u3057\u3066\u304f\u308c\u308b\u5e74\u9593\u5229\u7528\u30ec\u30dd\u30fc\u30c8\uff08Spend Tracking\u3068\u304bSpending Report\u3068\u304b\u540d\u79f0\u306f\u3044\u308d\u3044\u308d\uff09\u3067\u3059\u3002American Express\u3001Chase\u3001Capital One\u3001Citi\u306a\u3069\u5927\u624b\u306e\u30ab\u30fc\u30c9\u4f1a\u793e\u306f\u3001\u7686\u4f55\u3089\u304b\u306e\u5e74\u9593\u5229\u7528\u30ec\u30dd\u30fc\u30c8\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002\u4f7f\u3044\u52dd\u624b\u304c\u5b8c\u5168\u3067\u306f\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u3067\u3082\u3053\u306e\u30ec\u30dd\u30fc\u30c8\u304c\u3042\u308c\u3070\u5927\u96d1\u628a\u306a\u50be\u5411\u306f\u3064\u304b\u3081\u307e\u3059\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture4.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"589\" height=\"344\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture4.png?resize=589%2C344&#038;ssl=1\" alt=\"\u5bb6\u8a08\u7c3f\u3000\u30af\u30ec\u30b8\u30c3\u30c8\u660e\u7d30\u3092\u5229\u7528\u3059\u308b\" class=\"wp-image-6261\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture4.png?w=589&amp;ssl=1 589w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture4.png?resize=300%2C175&amp;ssl=1 300w\" sizes=\"auto, (max-width: 589px) 100vw, 589px\" \/><\/a><figcaption>\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u5e74\u9593\u5229\u7528\u30ec\u30dd\u30fc\u30c8<\/figcaption><\/figure>\n<\/div>\n\n\n<p>\u30ab\u30c6\u30b4\u30ea\u30fc\u5206\u3051\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e\u304c\u3059\u308b\u306e\u3067\u3001\u81ea\u5206\u306e\u671b\u3080\u5206\u3051\u65b9\u3067\u306f\u306a\u3044\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002\u3068\u308a\u3042\u3048\u305a\u306f\u3001\u4e0e\u3048\u3089\u308c\u305f\u3082\u306e\u306b\u6e80\u8db3\u3059\u308b\u3068\u3057\u3066\u3001\u3053\u306e\u307e\u307e\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u3067\u5165\u308c\u3066\u307f\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u6c17\u306b\u306a\u3063\u305f\u3068\u3053\u308d\u306f\u3042\u3068\u3067\u3058\u3063\u304f\u308a\u3068\u53d6\u308a\u7d44\u307f\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u8907\u6570\u306e\u30ab\u30fc\u30c9\u3092\u304a\u6301\u3061\u306e\u5834\u5408\u3001\u540c\u3058\u3088\u3046\u306a\u30ab\u30c6\u30b4\u30ea\u30fc\u304c\u91cd\u8907\u3059\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u3042\u3068\u3067\u3001\u30ab\u30c6\u30b4\u30ea\u30fc\u6574\u7406\u306a\u3069\u306f\u3044\u3064\u3067\u3082\u3067\u304d\u307e\u3059\u304b\u3089\u3001\u4eca\u306f\u3068\u308a\u3042\u3048\u305a\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3054\u3068\u306b\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e\u304c\u3064\u3051\u305f\u30ab\u30c6\u30b4\u30ea\u30fc\u306e\u307e\u307e\u8ee2\u8a18\u3057\u307e\u3057\u3087\u3046\u3002\u305f\u3068\u3048\u3070Grocery\u3068\u3044\u3046\u9805\u76ee\u304c\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9A\u306b\u3082\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9B\u306b\u3082\u3042\u3063\u305f\u3089\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9A\u306e\u4e0b\u306bGrocery\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9B\u306e\u4e0b\u306b\u3082Grocery\u3068\u3044\u3046\u30ab\u30c6\u30b4\u30ea\u30fc\u3092\u8a18\u9332\u3057\u307e\u3046\u3002\u73fe\u6bb5\u968e\u3067\u3001\u7121\u7406\u306b\u3072\u3068\u3064\u306b\u96c6\u7d04\u3057\u3088\u3046\u3068\u3057\u306a\u304f\u3066\u5927\u4e08\u592b\u3067\u3059\u3002<\/p>\n\n\n\n<div style=\"height:39px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-amt\u73fe\u91d1\u5f15\u304d\u51fa\u3057\u3068\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3068\u30c1\u30a7\u30c3\u30af\u652f\u6255\u3044\">AMT\u73fe\u91d1\u5f15\u304d\u51fa\u3057\u3068\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3068\u30c1\u30a7\u30c3\u30af\u652f\u6255\u3044<\/h3>\n\n\n\n<p>\u3053\u308c\u306f\u9805\u76ee\u7684\u306b\u305d\u308c\u307b\u3069\u591a\u304f\u306a\u3044\u306e\u3067\u306f\u306a\u3044\u304b\u3068\u304a\u5bdf\u3057\u3057\u307e\u3059\u3002\u3082\u3057\u3082\u591a\u3044\u5834\u5408\u306f\u3001\u5225\u9014\u3001\u304a\u91d1\u306e\u652f\u6255\u3044\u65b9\u6cd5\u306e\u8003\u5bdf\u304c\u5fc5\u8981\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<p>\u3082\u3057\u3082\u3001\u6708\u984d\u306b\u3057\u3066\u5c11\u306a\u3044\u30ec\u30d9\u30eb\u3001\u305f\u3068\u3048\u3070200\u30c9\u30eb\u4ee5\u4e0b\u306a\u3089\u3001\u3053\u308c\u306fATM\/\u30c7\u30d3\u30c3\u30c8\u5229\u7528\u3068\u3057\u3066\u307e\u3068\u3081\u3066\u3057\u307e\u3063\u3066\u3088\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u3082\u3057\u984d\u3068\u3057\u3066\u5927\u304d\u3051\u308c\u3070\u3001\u4f55\u306b\u4f7f\u3063\u305f\u304b\u306e\u8ffd\u8de1\u304c\u5fc5\u8981\u3067\u3059\u3002\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u5229\u7528\u306a\u3089\u9280\u884c\u53e3\u5ea7\u660e\u7d30\u306b\u60c5\u5831\u304c\u3042\u308b\u306f\u305a\u3067\u3059\u3002<\/p>\n\n\n\n<p>ATM\u304b\u3089\u5f15\u304d\u51fa\u3057\u3066\u4f7f\u3063\u305f\u73fe\u91d1\u3092\u4f55\u306b\u4f7f\u3063\u305f\u304b\u306f\u3001\u3069\u3053\u306b\u3082\u660e\u7d30\u304c\u306a\u3044\u306e\u3067\u3001\u3054\u81ea\u5206\u3067\u601d\u3044\u51fa\u3059\u3057\u304b\u3042\u308a\u307e\u305b\u3093\u3002\u3067\u304d\u308b\u7bc4\u56f2\u3067\u8a18\u61b6\u3092\u3060\u3069\u308a\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<div style=\"height:28px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-venmo-zelle\u306a\u3069-1\">Venmo,\u3000Zelle\u306a\u3069<\/h3>\n\n\n\n<p>\u3053\u308c\u306f\u3001\u9001\u91d1\u6642\u306b\u30e1\u30e2\u3092\u6b8b\u3057\u3066\u304a\u3051\u3070\u3001\u4f55\u306b\u4f7f\u3063\u305f\u304b\u306e\u60c5\u5831\u304c\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u30e1\u30e2\u3092\u6b8b\u3057\u3066\u3044\u306a\u3051\u308c\u3070\u3001\u8ab0\u306b\u9001\u91d1\u3057\u305f\u304b\u3060\u3051\u306f\u308f\u304b\u3063\u3066\u3082\u3001\u4f55\u306e\u76ee\u7684\u3060\u3063\u305f\u304b\u306f\u308f\u304b\u308a\u307e\u305b\u3093\u3002\u308f\u304b\u308b\u7bc4\u56f2\u3067\u8ffd\u8de1\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:37px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u30c1\u30a7\u30c3\u30af\u3067\u306e\u652f\u6255\u3044-1\">\u30c1\u30a7\u30c3\u30af\u3067\u306e\u652f\u6255\u3044<\/h3>\n\n\n\n<p>\u3053\u308c\u3082\u3001\u4e0a\u3068\u540c\u69d8\u3067\u3059\u304c\u3001\u6b8b\u3063\u3066\u3044\u308b\u30e1\u30e2\u3084\u8ab0\u306b\u5bfe\u3057\u3066\u30c1\u30a7\u30c3\u30af\u3092\u66f8\u3044\u305f\u304b\u3067\u3001\u308f\u304b\u308b\u7bc4\u56f2\u3067\u8ffd\u8de1\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u5e74\u9593\u53ce\u652f\u8868-\u5909\u8eab\u30b9\u30c6\u30fc\u30b8\uff12\">\u5e74\u9593\u53ce\u652f\u8868\u3000\u2015\u3000\u5909\u8eab\u30b9\u30c6\u30fc\u30b8\uff12<\/h2>\n\n\n\n<p>\u3055\u3066\u3053\u306e\u8a73\u7d30\u60c5\u5831\u3092\u3001\u4eca\u3067\u304d\u3066\u3044\u308b\u53ce\u652f\u8868\u306b\u5165\u308c\u3066\u3001\u3055\u3089\u306b\u8a73\u7d30\u53ce\u652f\u8868\u3078\u3068\u5909\u8eab\u3055\u305b\u307e\u3059\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture5.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"385\" height=\"565\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture5.png?resize=385%2C565&#038;ssl=1\" alt=\"\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u660e\u7d30\u3000\u5bb6\u8a08\u7c3f\" class=\"wp-image-6262\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture5.png?w=385&amp;ssl=1 385w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture5.png?resize=204%2C300&amp;ssl=1 204w\" sizes=\"auto, (max-width: 385px) 100vw, 385px\" \/><\/a><figcaption>\u5909\u8eab\u30b9\u30c6\u30fc\u30b8\uff12<\/figcaption><\/figure>\n<\/div>\n\n\n<p>\u3059\u3054\u3044\u3001\u3059\u3054\u3044\uff01\u306a\u304b\u306a\u304b\u5bb6\u8a08\u7c3f\u3063\u307d\u304f\u306a\u3063\u3066\u304d\u305f\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304b\u3002<\/p>\n\n\n\n<p>\u75b2\u308c\u3066\u3057\u307e\u3063\u305f\u3089\u3001\u3053\u3053\u3067\u4e00\u606f\u3064\u3044\u3066\u3001\u307e\u305f\u660e\u65e5\u306b\u3067\u3082\u7d9a\u3051\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<p>\u5b8c\u6210\u307e\u3067\u3042\u3068\u4e00\u6b69\u3067\u3059\u3002<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u6700\u5f8c\u306b\u7d66\u6599\u5929\u5f15\u304d\u30a2\u30a4\u30c6\u30e0\u3092\u8a18\u9332\u3059\u308b\">\u6700\u5f8c\u306b\u7d66\u6599\u5929\u5f15\u304d\u30a2\u30a4\u30c6\u30e0\u3092\u8a18\u9332\u3059\u308b<\/h2>\n\n\n\n<p>\u6700\u5f8c\u306b\u628a\u63e1\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u306e\u304c\u3001\u30b0\u30ed\u30b9\u306e\u53ce\u5165\u3068\u2018\u7d66\u4e0e\u5929\u5f15\u304d\u306e\u30a2\u30a4\u30c6\u30e0\u3067\u3059\u3002\u9280\u884c\u306b\u632f\u308a\u8fbc\u307e\u308c\u308b\u306e\u306f\u624b\u53d6\u308a\u306e\u53ce\u5165\uff08\u3053\u3053\u3067\u306f$60,000\uff09\u3067\u3059\u304c\u3001\u624b\u53d6\u308a\u306b\u306a\u308b\u6bb5\u968e\u3067\u30b0\u30ed\u30b9\u53ce\u5165\u304b\u3089\u5f15\u304b\u308c\u3066\u3044\u308b\u8cbb\u7528\u3092\u8a18\u9332\u3057\u307e\u3059\u3002\u4e0b\u306e\u8d64\u7dda\u3067\u56f2\u307e\u308c\u305f\u90e8\u5206\u306e\u628a\u63e1\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u7d66\u4e0e\u660e\u7d30\uff08Paycheck\u3068\u304bPaystub\u3068\u547c\u3070\u308c\u308b\u3082\u306e\uff09\u304c\u5fc5\u8981\u3067\u3059\u3002\u4e00\u5e74\u5206\u96c6\u3081\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture6.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture6.png?resize=589%2C379&#038;ssl=1\" alt=\"\u7d66\u4e0e\u660e\u7d30\u3000\u5bb6\u8a08\u7c3f\" class=\"wp-image-6263\" width=\"589\" height=\"379\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture6.png?w=589&amp;ssl=1 589w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture6.png?resize=300%2C193&amp;ssl=1 300w\" sizes=\"auto, (max-width: 589px) 100vw, 589px\" \/><\/a><\/figure>\n<\/div>\n\n\n<div style=\"height:39px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u30b0\u30ed\u30b9\u53ce\u5165\">\u30b0\u30ed\u30b9\u53ce\u5165<\/h3>\n\n\n\n<p>\u307e\u305a\u306f\u30b0\u30ed\u30b9\u306e\u53ce\u5165\uff08\u4f55\u3082\u5929\u5f15\u304d\u3055\u308c\u306a\u3044\u524d\u306e\u53ce\u5165\uff09\u3092\u78ba\u8a8d\u3057\u307e\u3059\u3002\u4e00\u5e74\u5206\u3092\u8db3\u3057\u5408\u308f\u305b\u307e\u3059\u3002\u96c7\u7528\u4e3b\u3068\u6298\u308a\u5408\u3063\u305f\u5e74\u53ce\u304c\u3053\u306e\u6570\u5b57\u306e\u306f\u305a\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u624b\u53d6\u308a\u53ce\u5165-1\">\u624b\u53d6\u308a\u53ce\u5165<\/h3>\n\n\n\n<p>\u6b21\u306b\u3055\u307e\u3056\u307e\u306a\u3082\u306e\u304c\u5f15\u304b\u308c\u305f\u3042\u3068\u3067\u3001\u9280\u884c\u306b\u632f\u308a\u8fbc\u307e\u308c\u308b\uff08Direct Deposit\uff09\u91d1\u984d\u3092\u78ba\u8a8d\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u3053\u306e\u984d\u306e\u5408\u8a08\u306f\u3001\u3059\u3067\u306b\u628a\u63e1\u6e08\u306e\u624b\u53d6\u308a\u53ce\u5165\u3001\u3064\u307e\u308a\u9280\u884c\u3078\u306e\u5165\u91d1\u984d\u5408\u8a08\u3068\u540c\u3058\u984d\u306b\u306a\u308b\u306f\u305a\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u7d66\u6599\u5929\u5f15\u304d\u30a2\u30a4\u30c6\u30e0\">\u7d66\u6599\u5929\u5f15\u304d\u30a2\u30a4\u30c6\u30e0<\/h3>\n\n\n\n<p><br \/>\u30b0\u30ed\u30b9\u53ce\u5165\u3068\u624b\u53d6\u308a\u53ce\u5165\u306e\u5dee\u304c\u3001\u7d66\u6599\u304b\u3089\u5929\u5f15\u304d\u3055\u308c\u308b\u984d\u3067\u3059\u3002\u4e00\u5e74\u5206\u306e\u984d\u3092\u9805\u76ee\u3054\u3068\u306b\u30c8\u30fc\u30bf\u30eb\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u5065\u5eb7\u4fdd\u967a\u6599\u3084401(k)\u306a\u3069\u306e\u7a4d\u7acb\u984d\u3001\u4eba\u306b\u3088\u3063\u3066\u306fFSA\u3084HSA\u306e\u7a4d\u7acb\u984d\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002Federal Tax\uff08\u9023\u90a6\u6240\u5f97\u7a0e\uff09\u3001State Tax\uff08\u5dde\u6240\u5f97\u7a0e\uff09\u3001Social Security\u7a0e\u3001Medicare \u7a0e\u306a\u3069\u306e\u7a0e\u91d1\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u5e74\u9593\u53ce\u652f\u8868-\u5909\u8eab\u30b9\u30c6\u30fc\u30b8\uff13\">\u5e74\u9593\u53ce\u652f\u8868\u3000\u2015\u3000\u5909\u8eab\u30b9\u30c6\u30fc\u30b8\uff13<\/h2>\n\n\n\n<p>\u305d\u3057\u3066\u5e74\u9593\u53ce\u652f\u8868\u306e\u300c\u624b\u53d6\u308a\u53ce\u5165\u300d\u306e\u4e0a\u306b\u3001\u30b0\u30ed\u30b9\u53ce\u5165\u3068\u7d66\u6599\u5929\u5f15\u304d\u30a2\u30a4\u30c6\u30e0\u3092\u66f8\u304d\u8db3\u3057\u307e\u3059\u3002\u3053\u3093\u306a\u3075\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture7.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"385\" height=\"709\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture7.png?resize=385%2C709&#038;ssl=1\" alt=\"\" class=\"wp-image-6264\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture7.png?w=385&amp;ssl=1 385w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/09\/Picture7.png?resize=163%2C300&amp;ssl=1 163w\" sizes=\"auto, (max-width: 385px) 100vw, 385px\" 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