阅读下列材料, 从所给的六个选项（A、B、C、D、E 和 F）中, 选出符合各小题要求的最佳选项。选项中有一项是多余选项。

A. Prepare for Rainy Days                B. Watch Your Spending

C. Get Aggressive                     D. Start Saving

E. Set the Goal                          F. Save More

Steps to Retire a Millionaire

Having a million-dollar portfolio is a retirement dream for many people. Making that dream come true requires some serious effort. While success is never a sure thing, the steps outlined below will go a long way toward helping you achieve your objective.

61. ____

Vacations, car, kids and all of life's other expenses take a big chunk out of your paycheck. To maximize your savings, you need to minimize your expenses. Buying a home you can afford and living a lifestyle that is below your means and not funded by credit cards are all necessities if you want to boost your savings.

62. ____

If you don't save, you'll never reach your goal. As obvious as this might seems, far too many people never even start to save. If your employer offers a 401(k) plan, enrolling in the plan is a great way to put your savings on autopilot. Simply sign up for the plan and contributions will be automatically taken out of your paycheck, increasing your savings and decreasing your immediate tax liability.

If your employer offers to match your contributions up to a certain percentage, be sure to contribute enough to get the full match. It's like getting a guaranteed return on your investment. Finding the cash to stash may be a challenge, particularly when you're young, but don't let that stop you from pursuing future riches.

63. ____

Studies have shown that the majority of the returns generated by an investment are dictated by the asset-allocation decision. If you are looking to grow your wealth over time, fixed-income investments aren't likely to get the job done, and inflation can take a big chunk out of your savings.

Investing in equities entails more risk, but is also statistically likely to lead to greater returns. For many of us, it's a risk we have to take if want to see our wealth grow. Asset-allocation strategies can help you learn how to make picking the right mix of securities the core of your investing strategy.

64. ___

Part of long-term planning involves accepting the idea that setbacks will occur. If you are not prepared, these setbacks can put a stop to your savings efforts. While you can't avoid all of the bumps in the road, you can prepare in advance to mitigate the damage they can do.

65. ____

Your income should rise as time passes. You'll get raises, you'll change jobs, and maybe you'll get married and become a two-income family. Every time more cash comes in to your pocket, you should increase the amount that you save. The key to reaching your goal as quickly as possible is to save as much as you can.

根据短文内容，从短文后的选项中选出能填入空白处的最佳选项。选项中有两项为多余选项。

Are you truly happy? Do you ever know what it means to be happy and what it takes to achieve happiness?    71    The following are a few tips that I follow to create happiness in my life.

※ Make a plan for attaining goals that you believe will make you happy. Your moods will very likely increase if you are going after something you value.

※Surround yourself with happy people. It is easy to begin to think negatively when you are surrounded by people who think that way.    72   

※When something goes wrong, try to figure out a solution instead of being absorbed in self pity. Truly happy people don’t allow setbacks to affect their mood because they know that with a little thought they can turn the circumstances back to their favor.

※   73   These few minutes will give you the opportunity to focus on the positive things in your life and will lead you to continuous happiness.

※    74   Whether you treat yourself to lunch, take a long, relaxing bath or simply spend a few extra minutes on your appearance, you will be subconsciously (下意识地) putting yourself in a better mood.

※Finding the humor in situations can also lead to happiness. Find a way to make light of a situation that would otherwise make you happy.

※Keeping healthy is another way to achieve happiness.    75 

E．Spend a few minutes each day thinking about the things that make you happy.

F．There are some tips in life that lead to happiness.

G．It’s also important to take some time each day to do something nice for yourself.