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| 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. |
| 美国银率网（Bankrate）的财务自由调查显示，75%的美国人表示他们的财务安全感不足，30% 的人从未有过财务安全感。 |
| 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. |
| 根据银率网最新发布的月光族生活调查，超过三分之一的美国上班族（34%）是月光族。这意味着这些人在支付了生活开支后，没有余钱留给未来的开支。 |
| 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. |
| 近六成美国人（59%）对自己的应急储蓄水平感到不满意。根据银率网的2024年度应急储蓄报告，这一数字比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.” |
| 银率网美国经济记者莎拉·福斯特表示：“简单来说，美国人过好日子的成本上涨了。自2020 年2月疫情暴发以来，物价上涨了近21%，人们过去每花1000美元购买到的物品，现在需要多花210美元。对于许多工资涨幅跟不上通货膨胀速度的美国人来说，物价上涨实际上意味着工资的大幅缩水。通货膨胀是一个无声的窃贼，它偷走了美国人的好日子。” |
| 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. |
| 与此同时，根据银率网的一项信用卡债务调查，50%的美国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这一比例为43%。由于通货膨胀持续存在且利率居高不下，信用卡债务只会增加“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.” |
| 非营利金融咨询机构Take Charge America的前金融教育家艾米·马丽佳表示，“那些靠薪水勉强度日的人经常求助于信用卡来弥补现金短缺，紧急情况支出，或超出预算的支出。这可能导致他们负债累累，每月都欠着卡债，支付高额利息，却没有明确的还债途径。” |
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