수입보다 지출이 더 많은 미국사회 현실
수입보다 지출이 더 많은 미국사회 현실
This is World News Tonight brought to you by HYUNDAI SANATA. There was a revealing 폭로적인, and some might say alarming report today about what Americans are doing with their paychecks 급료, 봉급. Americans now have a negative savings rate 저축률. To be precise 정확히 말하자면, Americans spent 1% more last year than they earned. That represents the lowest personal savings rate since the Great Depression <1929년 미국에서 비롯한> 대공황. Our Betsy Stark joins us now. And Betsy, it does seem a bit frightening when you say Americans are spending more than they’re earning.
It does sound scary, Charlie. One year ago, 15 years ago, excuse me, the savings rate was 7%. And average credit card debt was about $3,000. Today, the savings rate is negative 마이너스의 1% and average credit card debt is more than $9,000. For many American families, savings are a luxury they simply cannot afford ~할 여유가 없다. “Salaries aren’t keeping up with <시류 등에> 뒤떨어지지 않다 inflation. Just bottom line 가장 중요한 사항. Everything is… gas alone is killing your savings.”
Cindy Taylor wishes she could save more. But at 44, with a family, a mortgage 주택대부, 융자, and credit card bills to pay, she spends everything she earns as a college secretary and then some. “I do have a son going into college. It’s an ongoing expense. And I do have a… child, a daughter, that’s a single mom that needs help. And so.. I don’t know, that’s going to be difficult.” She’s now thinking about working weekends, so she’ll have something to put aside 저축하다.
Bibi Flynn stopped saving over the last couple of years because her money was in real estate 부동산. It’s a risk because that’s not exactly money in the bank. But rising real estate values and a rising stock market have made many Americans feel like they’re saving.
Bottom line? There is no immediate crisis at hand 가까이에, but down the road 장래에, Americans who are not saving now for retirement will have to get serious about putting money aside and when they do, they’re gonna take a lot of spending power off the table, which could slow down the whole economy.