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美聯儲:40%的美國人拿不出400美元的應急資金

部落冲突6本布局 www.wipih.icu  40% of Americans don’t have $400 in the bank for emergency expenses: Federal Reserve

美聯儲:40%的美國人拿不出400美元的應急資金

Almost 40% of American adults wouldn’t be able to cover a $400 emergency with cash, savings or a credit-card charge that they could quickly pay off, a Federal Reserve survey finds.

美國聯邦儲備委員會的一項調查發現,近40%的美國成年人拿不出400美元用來應急,無論是現金,還是存款,又或刷信用卡,都不足400美元。

About 27% of those surveyed would need to borrow the money or sell something to come up with the $400 and an additional 12% would not be able to cover it at all, according to the Federal Reserve's 2018 report on the economic well-being of U.S. households released on Thursday.

美國聯邦儲備委員會周四發布的2018年美國家庭經濟狀況報告顯示,約27%的受訪者需要借錢或變賣東西才能籌到400美元,另有12%的人根本拿不出。

美國雅虎讀者的評論:

譯文來源:三泰虎 //www.santaihu.com/47710.html

外文:https://www.yahoo.com

Othehezdazyesterday

Why should I keep it in the bank at 0.003% interest? --- I'm losing money by it being stuck there!

利息才0.003%,為什么我要把錢存在銀行呢? 存了等于虧錢!

 

GeeWizFolks!yesterday

Wages DO NOT KEEP UP WITH Cost Of Living, and haven’t done so for 20+ years.

工資不夠生活開銷,這種情況已經持續20多年了。

 

Pixxxyyesterday

I have a friend who earns $110,000 a year as a banker of all things and is always broke and borrowing money from me regularly (to be fair, he always pays me back).... meanwhile, my mother and father law together have never earned more than $50,000 TOGETHER in a year... and their savings and retirement accounts will just about take your breath away. It’s not what you earn, it’s what you keep.

我有一個朋友,他是銀行高管,年薪11萬美元。不過總是身無分文,經常向我借錢(當然他都會還的)……而我父母一年內存下來的錢從來沒有超過5萬美元…他們的儲蓄和退休金多到會讓你大吃一驚。重要的不是你賺了多少,而是你能存下多少。

 

Andriesyesterday

In my area, SF, where rent is higher than NY, the cost of average rent is$3,903.00, a Subway sandwhicg is 10 bucks, a gallon of gas is $4.09, bridge toll is 6.00, a movie theater ticket is 15.99 and if I take the commuter train and bus to work in Silicon Valley, it will cost 500.00 per month. How can the feds expect you to save with the highest cost of living. Plus, the State of California taxes and imposes fees on literally everything. We even have a soda tax.

我住在舊金山,租金高于紐約地區,平均租金是3903美元,地鐵票價是10美元,汽油4.09美元一加侖,過橋費是6美元,電影票是15.99美元,如果我選擇坐火車或巴士去硅谷上班,每月通勤費為500美元。生活成本這么高,哪還有錢存呢?

另外,加州對幾乎所有東西都征稅。我們甚至還有汽水稅。

 

Peteryesterday

For some, the status symbol is the flashy car or the massive house.

對一些人來說,身份的象征是豪車和豪宅。

 

thedarkcloakphantomyesterday

I don't have $400 in the bank for normal expenses....let alone emergency expenses...sheesh....

我賬戶里連400美元都沒有,不足應付日???,更不用說應急了……

 

Brettyesterday

a big part of this problem is that many people don't manage their finances well. I know many that don't and see it all the time. Eating out all the time, Starbucks twice a day, buying the latest and greatest of everything. Many people just can't live within their means and do not have a long term investing or savings strategy.

很多人不好好理財,經常在外面吃大餐,一天去兩次星巴克,買最貴最好的東西。很多人無法做到量入為出,沒有長期的投資或儲蓄計劃。

 

marekyesterday

Americans got $3000 refrigerators at home and nothing in it , spending money at restaurants instead making meals by them selfs.

美國人家里有3000美元的冰箱,但冰箱里什么也沒有,他們寧愿花錢去下館子,也不自己做飯。

 

Billyesterday

When I was born, America ranked #1 in quality of life. We have now fallen to #19, IMO thanks to the takeover of our economy by multi-national corporations who have devastated the American working class. Started back in the 1988's and has continued with occasional pauses to roll down hill.

我出生那會兒,美國的生活質量排名第一。在我看來,我們現在已經跌到了第19位,這要感謝跨國公司,他們葬送了美國工人階級。從1988年開始,美國經濟間歇性停止增長直到跌落谷底。

 

Patyesterday

Prices for necessities keeps rising but wages remain stagnant.

Has anyone looked at the price of everything from homes to food?

It's shocking how prices have increased in just the last 15 years.

物價越來越貴了,工資卻不漲。

有沒有人關注過從住房到食品等各種商品的價格?

僅僅過去的15年里,價格的上漲就令人震驚。

 

Slayeryesterday

If you can't afford to put away $20 every month in a savings account, you have serious issues.

如果你每月存不下20美元,那你的問題就嚴重了。

 

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