【双语财讯】美民调：“通胀像窃贼”掏空美国人钱包 75%美国人财务安全感不足

A homeless man sits with his shopping cart full of belongings in Los Angeles, California, on December 6, 2022. 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. 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. 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。” 英文来源：Bankrate 编辑：董静 审校：陈丹妮 齐磊