如何在美国年薪30万:美国的职场新人如何支配自己的收入
如何在美国年薪30万:美国的职场新人如何支配自己的收入以下是一个普通美国人对自己收入的支配情况:Here’s how that paycheck gets divvied up across the nation.爱因斯坦曾经说过:宇宙中最强大的力量就是复利。No one is in a better position to harness this force than those who have just started earning a regular salary. But popular wisdom tells you that it is just this demographic that has a tough time saving. Salaries are typically lower.而那些刚刚开始拿薪水的人,就是最能从这股力量中获利的人了。但是,众所周知,这恰好就是那群不擅长存钱的人。而且他们的工资通常也不算
薪水应该怎么花?怎样才能存下钱?存钱真的有用吗?哪些消费才是明智的?
这些对于很多职场新人来说都是很头疼的问题。
美国人对本国的职场新人做了一个调查,统计了他们支配自己收入的方式;如果你正在被这类问题困扰着,不如先来看看他们是怎么管理自己的薪水的吧。
Einstein once said that the most powerful force in the universe was compoundinterest.
爱因斯坦曾经说过:宇宙中最强大的力量就是复利。
No one is in a better position to harness this force than those who have just started earning a regular salary. But popular wisdom tells you that it is just this demographic that has a tough time saving. Salaries are typically lower.
而那些刚刚开始拿薪水的人,就是最能从这股力量中获利的人了。但是,众所周知,这恰好就是那群不擅长存钱的人。而且他们的工资通常也不算高。
Here’s how that paycheck gets divvied up across the nation.
以下是一个普通美国人对自己收入的支配情况:
1. Housing (31.9%)
住房——占总收入的31.9%
Among households in this age group 61% are renting.
在这个年龄的人当中,61%的人是租房住的。
The average rent/mortgage check is $894 per month(60% of the total cost on housing). Obviously this figure will vary widely based on location.
他们平均每月的租金或房贷是894美元(占住房总花销的60%)。不过显然,这个数字随着地区不同而不同。
The rest of the balance of housing money is devoted to utilities household supplies furniture and appliances.
而住房花销中剩下的那部分,用在了水电燃气、日用品、家具和各种小物件上面。
2. Transportation (16.3%)
交通——占总收入的16.3%
This includes monthly payments for the purchase of new/used cars which runs roughly $296 per month.
这包括买车的钱以及车贷平均到每月的花销,大概是296美元。(这对于中国的毕业生来讲不太一样,毕竟在中国还是以公共交通为主)
Last year an average of $204 per month was spent on gasoline.
去年,在汽油上的平均花销是204美元。
The rest is used on maintenance insurance and “other vehicle expenses.”
其他的部分花在了维护费用、保险以及其他交通花销上。
3. Healthcare (4.9%)
健康——占总收入的4.9%
Here’s where it really pays to be young.
这就是年轻真正的好处。(健康方面可以少花钱)
Healthcare spending is one of the only categories that consistently inches upward throughout life.
健康是唯一一个随着年龄增长而花销变大的门类。
Of this total 70% is used to cover insurance premiums which likely means that employers are chipping in a significant percentage of the total cost of coverage.
而这里面的70%是花在了健康保险上面,所以基本上可以说是用人单位覆盖了里面的大部分。(在中国的普遍情况就是公司交掉一半)
4. Food (12.1%)
饮食——占总收入的12.1%
Typically 45% is spent on eating out.
一般来讲,这其中的45%是花在了外出就餐上面。
Meats fish eggs fruits and vegetables make up over 40% of the money that is spent monthly for food at home.
而在家吃的那一部分花销里,肉、鱼、鸡蛋、水果、蔬菜等食材占据了40%。(剩下的可能是零食吧)
5. Entertainment (4.4%)
娱乐——占总收入的4.4%
When you think about it it’s a pretty good deal when you’re able to spend as much on entertainment as you do on healthcare.
仔细想一下的话,娱乐的花销可以和健康花销等量,还是一件挺划算的事。
I should note that these figures include the costs of pets TVs hobbies and any type of event you might attend.
我要指出,这部分花销包括了宠物、电视、兴趣爱好以及其他一切你可能参与的活动。
6. Pensions and Social Security (9.8%)
社保、养老金——占总收入的9.8%
As you’ll see at the end though even with reduced benefits in the future Social Security can play a key role in your retirement.
你们最终会明白的,虽然这些东西以后的价值会变低,但社保在你退休之后还是举足轻重的。(在中国,这部分一般是公司在发薪前就代缴了,而公司负担其中大部分)
7. Education (2%)
教育——占总收入的2%
Many will argue that this number should be higher. After all the graduation is only a beginning. Your career just started and there's a lot of skills to acquire if you wanna get promoted and paid better.
很多人都觉得这一部分应该更高一些。毕竟,毕业只是一个新阶段的开始。你的职业生涯才刚刚起步,如果你想升职加薪的话,还有不少技能要学。
8. Other (9.3%)
其他——占总收入的9.3%
This covers a lot of different categories: clothes alcohol personal care products cigarettes donations and even alimony payments. Lump all of them together and this is what you get.
这一部分包含很多门类:服装、酒、个人护理产品、烟、慈善捐赠甚至赡养费。把它们全部加起来就是你能自由支配的那一部分了。(能存下来的最大值)
That leaves the average household of 2 people with $423 per month.
这对于一般的家庭(两口人)来说,就是每月423美元(约合人民币2800元)
This may sound like a lot or a little depending on your point of view. But let’s put it in perspective. This is equivalent to saving $5 076 per year.
这在你看来可能算多,也可能算少。不过且让我们用不偏不倚的视角来看看,这相当于每年5076美元(约合人民币34000元)。
If we assume that a couple aged 30 is able to put away this much every month until they retired at age 67 adjusted for inflation and assuming a return of 9% (just below the stock market’s historical average) they would have an equivalent of $484 000 in their nest egg come retirement time.
如果我们假设,一对30岁的夫妻,每月能存下这么多钱,一直存到67岁退休,然后假设他们的投资回报率是9%(刚好低于股票市场历史回报率的平均值),再算上通货膨胀,那他们在退休的时候就会有一笔484 000美元的财富(约合人民币326万元)。
Obviously not everyone who reads this will represent the “average” household for this age group. There’s tons of variability.
不过显然,并不是所有读这篇文章的人都恰好是这个年龄段中的平均水平,变量是非常多的。
If nothing else a key takeaway should be that if you want to super-charge your savings focus on the Big Three of housing transportation and food to leverage your efforts.
但抛开一切不谈,最重要的一点建议是:如果你想让你的积蓄发挥最大的价值,你应该着重在住房、交通、饮食这三个大头上面精打细算。
(翻译:能猫)
英语君观点:
可以看出,住房、饮食、交通是最大的3块支出,它们加起来已经达到了总收入的60%;这个情况在中国也差不多,中国的比例甚至会更大一点。
而教育这一块就少得可怜,美国人民自己也觉得痛心疾首;而这对于中国的我们来说也是一样的,毕业并不是奋斗的结束,想要在职场上走得远,学习新技能是必要的。
例如,现在的中国越来越国际化,与外国人的交流与合作变得越来越频繁,因此,娴熟的商务英语正在变成许多职场人的刚需。
英语君为大家推荐沪江网校的商务英语课程,如果你想在国际化的职场上站稳脚跟,不妨点击进去试听一下吧:
除了教育以外,剩下的自由支配收入也是很多职场新人忽略的地方,
正如爱因斯坦所说,复利是宇宙中最强大的力量,如果你能存下钱,并能明治地投资理财,那你的每一天工作都将变现为将来的自由度;而如果你坚持做一个赚多少花多少的月光族,那你辛苦打工的生涯将会变得很长。
而说到理财,它可是个重要的技能,可惜我们的教育系统却完全没有在这上面着笔。
如果你也正在为自己的未来担忧,如果你希望早日达到财务自由,不如来先来试听一下沪江网校的理财入门课程吧:
最后,英语君在此感谢大家的阅读,祝大家都能做出明智的经济决策。
同时,也欢迎大家浏览沪江网校的其他课程~ 为自己的竞争力多做点投资~
声明:本双语文章的中文翻译系沪江英语原创内容,转载请注明出处。中文翻译仅代表译者个人观点,仅供参考。如有不妥之处,欢迎指正。
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