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      即使是有錢人也過著月光族的生活

      即使是有錢人也過著月光族的生活

      TRISTAN BOVE 2022-06-08
      大多數美國人多年來一直過著月光族的生活,但通貨膨脹使財務狀況更加緊張。

      40年來最高的通貨膨脹率讓每個人的生活都很艱難,甚至是最高收入者。

      從汽油到生活用品,所有商品的價格都在飆升,這讓美國人花錢如流水,從而迫使許多人削減開支并動用他們的積蓄。盡管通貨膨脹對美國最貧困人口的打擊最為嚴重,但即使是薪水最高的人也受到了經濟下行帶來的沖擊。

      根據貸款發放機構LendingClub和商業媒體平臺PYMNTS的一份新報告,美國超過三分之一的月光族的收入至少為25萬美元,這表明通貨膨脹正在影響所有收入水平的美國人處理預算的方式。

      報告中寫道:“通貨膨脹很可能會成為未來幾個月經濟狀況的一部分,所有收入水平的消費者都需要審視他們的財務狀況并相應地計劃支出?!?/p>

      該報告分析了全美3000多名不同收入水平的消費者的財務狀況。該調查于4月進行,并在研究歷史上首次報告了美國最高收入人群的財務狀況。

      “年收入25萬美元是全國平均收入的五倍多,顯然是高收入。他們中有三分之一的人都是月光族,這一事實應該會讓你感到驚訝?!?LendingClub的財務健康官阿努伊·納亞爾(Anuj Nayar)在一份聲明中表示。納亞爾補充說,高收入者奢侈的生活方式落后于他們調整后的消費模式。

      報告稱,約有61.3%的美國人(1.57億人)都是月光族,他們的所有薪水都用來支付各種開支,到月底幾乎沒有剩余。這一數字比一年前高出9個百分點。

      但是,不同收入水平的人在支付賬單的方式上存在很大差異,報告澄清說,大多數高收入月光族在支付費用方面仍然沒有任何問題——只有10%到12%的人在支付賬單方面遇到了問題。

      與工薪階層不同,高收入者通常有良好的信用評分,并且可以選擇使用信用卡支付。在所有努力維持生計的月光族中,只有48%的人最近使用信用卡付款。

      納亞爾說:“(高收入者)信譽良好,但他們的財務負債更高,更有可能利用資本來承擔生活費用?!?/p>

      大多數美國人多年來一直過著月光族的生活,但通貨膨脹使財務狀況更加緊張。燃料、食品和住房的價格正在快速上漲,但平均工資增長迄今未能跟上。

      對大多數美國人來說,疫情過后的金融復興本來有望成為一場史詩般的復興,但通脹也動搖了這場復興。由于多重刺激計劃、更高的儲蓄和更低的支出,大多數美國人的財務狀況在疫情期間實際上有所改善,美聯儲最近的一項分析發現,去年美國人的財務健康狀況達到近十年來的最高水平。

      但那是在俄烏沖突導致食品和燃料價格飆升,通貨膨脹開始影響大多數美國人的生活,甚至是高收入者生活之前。

      美國心理學協會(American Psychological Association) 3月份的一項調查發現,通貨膨脹和不斷上升的成本已經成為美國人最大的壓力來源,經濟壓力創歷史新高?!睹绹侣勁c世界報道》4月份的另一項研究發現,超過三分之二的美國人現在對自己的財務狀況感到焦慮,并擔心自己的財務未來。(財富中文網)

      譯者:中慧言-王芳

      40年來最高的通貨膨脹率讓每個人的生活都很艱難,甚至是最高收入者。

      從汽油到生活用品,所有商品的價格都在飆升,這讓美國人花錢如流水,從而迫使許多人削減開支并動用他們的積蓄。盡管通貨膨脹對美國最貧困人口的打擊最為嚴重,但即使是薪水最高的人也受到了經濟下行帶來的沖擊。

      根據貸款發放機構LendingClub和商業媒體平臺PYMNTS的一份新報告,美國超過三分之一的月光族的收入至少為25萬美元,這表明通貨膨脹正在影響所有收入水平的美國人處理預算的方式。

      報告中寫道:“通貨膨脹很可能會成為未來幾個月經濟狀況的一部分,所有收入水平的消費者都需要審視他們的財務狀況并相應地計劃支出?!?/p>

      該報告分析了全美3000多名不同收入水平的消費者的財務狀況。該調查于4月進行,并在研究歷史上首次報告了美國最高收入人群的財務狀況。

      “年收入25萬美元是全國平均收入的五倍多,顯然是高收入。他們中有三分之一的人都是月光族,這一事實應該會讓你感到驚訝?!?LendingClub的財務健康官阿努伊·納亞爾(Anuj Nayar)在一份聲明中表示。納亞爾補充說,高收入者奢侈的生活方式落后于他們調整后的消費模式。

      報告稱,約有61.3%的美國人(1.57億人)都是月光族,他們的所有薪水都用來支付各種開支,到月底幾乎沒有剩余。這一數字比一年前高出9個百分點。

      但是,不同收入水平的人在支付賬單的方式上存在很大差異,報告澄清說,大多數高收入月光族在支付費用方面仍然沒有任何問題——只有10%到12%的人在支付賬單方面遇到了問題。

      與工薪階層不同,高收入者通常有良好的信用評分,并且可以選擇使用信用卡支付。在所有努力維持生計的月光族中,只有48%的人最近使用信用卡付款。

      納亞爾說:“(高收入者)信譽良好,但他們的財務負債更高,更有可能利用資本來承擔生活費用?!?/p>

      大多數美國人多年來一直過著月光族的生活,但通貨膨脹使財務狀況更加緊張。燃料、食品和住房的價格正在快速上漲,但平均工資增長迄今未能跟上。

      對大多數美國人來說,疫情過后的金融復興本來有望成為一場史詩般的復興,但通脹也動搖了這場復興。由于多重刺激計劃、更高的儲蓄和更低的支出,大多數美國人的財務狀況在疫情期間實際上有所改善,美聯儲最近的一項分析發現,去年美國人的財務健康狀況達到近十年來的最高水平。

      但那是在俄烏沖突導致食品和燃料價格飆升,通貨膨脹開始影響大多數美國人的生活,甚至是高收入者生活之前。

      美國心理學協會(American Psychological Association) 3月份的一項調查發現,通貨膨脹和不斷上升的成本已經成為美國人最大的壓力來源,經濟壓力創歷史新高?!睹绹侣勁c世界報道》4月份的另一項研究發現,超過三分之二的美國人現在對自己的財務狀況感到焦慮,并擔心自己的財務未來。(財富中文網)

      譯者:中慧言-王芳

      Inflation at a 40-year high is making life difficult for everyone, even the country's highest earners.

      A surge in prices for everything from gasoline to groceries is burning a hole in every American’s wallet, and forcing many to cut back on expenses and dip into their savings. And while inflation is hitting the nation’s poorest hardest, even people with the largest salaries are being hit by the economy.

      More than one-third of paycheck-to-paycheck consumers in the U.S. earn at least $250,000, according to a new report by loan issuer LendingClub and commerce media platform PYMNTS, suggesting that inflation is affecting how Americans of all income levels handle their budgets.

      “Inflation will most likely be part of the economic picture for many months to come, and consumers living paycheck to paycheck of all income brackets will need to review their financial situations and plan their spending accordingly,” the report reads.

      The report analyzed the finances of over 3,000 consumers of all income levels across the U.S. The survey was conducted in April, and reports on the finances of the country’s highest income earners for the first time in the study’s history.

      "Earning a quarter of a million dollars a year is more than five times the national median and is clearly high income. The fact that a third of them are living paycheck to paycheck should surprise you," Anuj Nayar, LendingClub's financial health officer, said in a statement. Nayar added that the expensive lifestyles of high income earners were behind their adjusted spending patterns.

      Around 61.3% of Americans—157 million people—are living paycheck to paycheck and devoting all of their salaries to expenses with little to nothing left over at the end of the month, according to the report. That number is nine percentage points higher than a year ago.

      But there are big differences between how people in different income brackets pay their bills, and the report clarifies that most high income earners who are living paycheck to paycheck still have no issues covering their expenses—only 10% to 12% are running into problems paying their bills.

      Unlike working-class people, high income earners generally have good credit scores and the option to use credit cards to make payments. Only 48% of all paycheck-to-paycheck consumers who are struggling to make ends meet have recently made a credit card payment.

      “[High income earners] are creditworthy but they have higher financial obligations and are more likely to leverage their capital to finance their lives,” Nayar said.

      The majority of Americans have been living paycheck to paycheck for years, but inflation has made finances even tighter. Prices for fuel, food, and housing are rising fast, but average wage growth has so far failed to keep up.

      Inflation has also rocked what was on track to be an epic financial recovery for most Americans after the pandemic. Between multiple stimulus payments, higher savings, and lower expenses, most Americans’ finances actually improved during the pandemic, and a recent analysis by the Federal Reserve found that Americans’ financial health last year was the highest it’s been in nearly a decade.

      But that was before the Russian invasion of Ukraine sent prices for food and fuel soaring and inflation began to take hold of most Americans’ lives, even the high earners.

      A March survey by the American Psychological Association found that inflation and rising costs had become the biggest sources of stress for Americans, with economic stress reaching record highs. Another April study by U.S. News & World Report found that over two-thirds of Americans are now anxious about their finances and worried about their financial future.

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