大多数人仅仅是偿还房屋按揭贷款，交纳法定的国家或者私人养老金(如果他们有的话 ) ， 再有存一些钱用于不时之需。
Most people just pay off their mortgage, make the mandatory contributions to their state or private pension (if they have one), and keep some money for short-run contingencies.