Seventy-five percent of Americans say they are not completely financially secure, and 30 percent never expect to be, according to Bankrate’s Financial Freedom Survey.
美國銀率網（Bankrate）的財務自由調查顯示，75%的美國人表示他們的財務安全感不足，30% 的人從未有過財務安全感。
More than 1 in 3 workers (34 percent) are living paycheck to paycheck, according to Bankrate’s new Living Paycheck to Paycheck Survey. That means that about a third of American workers say they don’t have enough money left over after covering their expenses to save for future expenses.
根據銀率網最新發布的月光族生活調查，超過三分之一的美國上班族（34%）是月光族。這意味著這些人在支付了生活開支后，沒有余錢留給未來的開支。
Nearly 6 in 10 Americans (59 percent) are uncomfortable with their level of emergency savings. That’s up from 2023, according to Bankrate’s 2024 Annual Emergency Savings Report.
近六成美國人（59%）對自己的應急儲蓄水平感到不滿意。根據銀率網的2024年度應急儲蓄報告，這一數字比2023年有所上升。
“Simply put, living comfortably costs a lot more than it used to,” says Sarah Foster, Bankrate U.S. economy reporter. “Prices are up almost 21 percent since the pandemic first began in February 2020, requiring an extra $210 per every $1,000 someone used to spend on the items they both want and need. For the many Americans whose pay haven’t kept up with inflation, higher prices essentially translate to an outright destruction of wages. Inflation is the silent thief, and it comes with a price — often Americans’ chances of living a comfortable life.”
銀率網美國經濟記者莎拉·福斯特表示：“簡單來說，美國人過好日子的成本上漲了。自2020 年2月疫情暴發以來，物價上漲了近21%，人們過去每花1000美元購買到的物品，現在需要多花210美元。對于許多工資漲幅跟不上通貨膨脹速度的美國人來說，物價上漲實際上意味著工資的大幅縮水。通貨膨脹是一個無聲的竊賊，它偷走了美國人的好日子。”
Meanwhile, 50 percent of American cardholders carry card balances from month to month, according to Bankrate’s Credit Card Debt Survey. Bankrate data shows that 58 percent of cardholders earning under $50,000 carry a balance from month to month, compared to 43 percent of those earning $100,000 or more. As inflation persists and interest rates remain high, carrying a credit card balance may only further the likelihood of living paycheck to paycheck.
與此同時，根據銀率網的一項信用卡債務調查，50%的美國持卡人每月都有欠款。年收入低于50000美元的持卡人中有58%每月都有欠款，而年收入100000美元或以上的持卡人中這一比例為43%。由于通貨膨脹持續存在且利率居高不下，信用卡債務只會增加“月光”的可能性。
“Those living paycheck to paycheck often turn to credit cards to make up for a cash shortfall or to pay for emergencies or purchases that don’t fit within their budgets,” says Amy Maliga, former financial educator with Take Charge America, a nonprofit financial counseling agency. “This can lead them to being overextended, carrying balances month to month and paying high interest rates without a clear path to pay off the debt.”
非營利金融咨詢機構Take Charge America的前金融教育家艾米·馬麗佳表示，“那些靠薪水勉強度日的人經常求助于信用卡來彌補現金短缺，緊急情況支出，或超出預算的支出。這可能導致他們負債累累，每月都欠著卡債，支付高額利息，卻沒有明確的還債途徑。”
英文來源：Bankrate
編輯：董靜
審校：陳丹妮 齊磊
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