美國人為何沒什麼存款,很多人真拿不出400美元?

426次觀看 6/12/2020
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  • Emma L

    Live in LD. Used to use up all my money to buy all sorts of stuff. Started saving a couple of years ago due to kids plans. Now I feel this pandemic will change my spending behaviour permanently. I felt so safe when the lockdown started by looking at my bank accounts and thinking: OK I definitely have enough money to hang on until this ends. We are lucky that we can work from home and we have been paying our mortgages despite of possible payment holiday arrangements. Now saving makes me happy!

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  • Sheng Huang

    中文的语法逻辑百分百,除了一点外国人语音,厉害

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  • Luo Yang

    最近美国储蓄率上升估计因为很多商店没有开门。

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  • Michael L

    The American way of life: Pursuit material happiness whether one can afford it or not.

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  • May96188 Wong

    The best advice my parents gave us: save for the rainy days and don't spend future money.

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  • Yidi Wu

    那种即时快乐让我想到了我之前看别的youtuber发的视频里说,现在很多软件也是这样,比如抖音,快手,这种短视频都是即时的快乐,但是如果你花这些时间去学习,健身,读书,你会收获长期的benefit.

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  • Esther Poon

    We Chinese are the opposite 、in the past 200 years, our parents had gone thru so many crisis. We were taught to save for the rainy days。

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  • xiaoyang yao

    你的视频有思想、有深度、有社会价值,所以很喜欢!

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  • 奇想天外

    我朝现在也快这样了...身边一帮开了花呗胡乱消费的月光族...小额信贷就是鸦片烟...太容易上瘾了... =v =;

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  • April Zhang

    课后笔记:第一,医疗、教育等公共服务的产业化,堵塞了穷人实现阶级跨越的通道,导致贫富差距越来越大;第二,超前消费,高负债,从国家到个人层面都是如此,导致人们存不下钱。

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  • Jack Zhang

    很棒的视频,从阶层、消费观念、社会福利保障制度等多个方面做了分析,为你点赞!

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  • ah lee

    That is the way the banks want the people to live. Getting a card is so easy in US and paying with a card does not cost much more.

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  • Konata Izumi

    I don’t see this as a problem, they like it that way. Let them be.

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  • 布魯斯J

    其實美國失業人口蠻多的, 都在靠政府補助的津貼過活, 不分年齡,所以政府其實負擔很大!這是美國朋友分享的狀況,不過不清楚實際上是否如此了。

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  • 陈纪通

    Grandma said to me since childhood: to put a good year when the disaster, when there is food to think of no food.

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  • 李小狼

    现在中国也开始不那么存钱了…近些年一直在推广着美国式消费、美国式生活

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  • 陳瑞芬

    一定要存錢,為什麼?有急用可以救命的錢,還有失業的時候還可以撐到找到工作時

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  • Bruce Fargo

    I’m sick of the way Americans saying “This is my absolute cost of living”. Really? Do you really need a 3 bedroom home? Did you really need to have that Mustang when a used Kia would do? Did you really need to buy a new PlayStation 4 for your kids? Did you really need to drink beer every weekend? Complete bullshit. America really needs to see a huge war on its shores so that people will understand.

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  • Arie Kang

    总结,不管薪水多少,没有好好理财,无论挣再多钱,永远也不够花的...太过注重享受,不能先苦后甜,何来改变下一代的生活水平?

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  • Eric Chen

    沒事的時候美國人過得爽爽的都在花錢玩樂, 一出事喔…例如這次疫情或是中型大型經濟危機出現,就呵呵 只能說每個國家也自己的難處啦!

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  • GJ Y

    When yours account have enough money,whatever condition, you feel safety and make right decision except shortage of food!

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  • Johnlmiko Kggh

    香港讀大學只需要42100 港幣,只要幾千美金一年

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  • xu chen

    教育是打破阶级固化的最好工具,合理分配教育资源还是很重要的。

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  • bamboo

    好 那我现在走吧 哈哈 语法错误都这么可爱

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  • 배용호

    瞎白惑,美国有钱人,那么多,甚至有可以操控美国的个人钱

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  • S H

    穷人的2.5万美金相当于国内的中产了,关键物价和房价还比国内便宜

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  • James Lee

    以一家4口、一年10万税前收入为例:税25000, 房贷+财产税25000。如果有汽车贷款、学费贷款,又要减去很多, 就算1万吧。此外,医保、水、电、煤气、汽油、网络、电视、电话,至少要1万5, 吃喝1万,小孩6岁前daycare, 每个小孩至少1万,有时还需要打理院子、房子维修(刷漆、换roof)、更换坏了的电器(冰箱、洗衣机、烘干机、洗碗机)、修理或换HVAC系统, 这些也是大钱......可以看出,美国佬年税前收入10万,都存不下多少钱!! 而美国的税前收入超过10万的家庭数量, 不超过30%,可以说,70%的美国家庭基本是月光族。

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  • Keeper Samsara

    3:40 用吸毒的钱干别的不好么.....如果我国也有那种穷人免费吃的福利..我会第一时间反应是他一定不卫生.还是自己努力挣钱买来做饭比较好

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  • H. T.

    Stop living above your means is a good habit to have.

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  • Willy CA-HK 加國港人

    大家加油! from Canada 借分享: 疫情下 - 行商場還可以嗎?

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  • TBCFU TBCFU

    WOW ! I'M great ! 我居然完全听懂了美国人说话。

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  • SuperDukka

    Savings enable me to retire at 49 and do the things I want in life. Now 10 years into retirement I find that my principal is intact as my passive income is even sufficient to pay for holidays and donate to charity. Cheers.

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  • Soong Charlie

    第一次看~好棒的主題材料,不僅僅是針對美國,各國都有相同的問題

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  • reiwj dsj

    Thank you, Jerry. Your analysis is very good. The Asia idea of money saving is very different from U.S. Many Asia countries do not have good and complete society security system so Asia people need to depend on their own, and always have the mind panic to force them to save more money on their life. This cause the reason that western people wonder why Asia people love to save much money. Actually, the common psychology crisis for Asia people is that they really worry they may die from poverty and get too poor, so they tried to save more and more money.

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  • dundunsar

    USA needs to train up, save up & wake up!

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  • Mr Only

    可能只有公眾人物才會“存錢”吧!例如:有上進的上班族、商人、明星、運動員、官員 等等...

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  • Ludao

    13% still relatively low... thanks for Jerry's sharing :)

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