Younger people expect inheritance that won't exist Young Americans who grew up during the Great Recession apparently did not learn much from their parents' money woes. There is a major disconnect between many of their financial wishes and realitiehinkstock Nearly 40% of Generation Z, those ages 13 to 22, expect to receive an inheritance, according to a recent TD Ameritrade study. As a result, they don't believe that they will need to save for retirement. "There is a little bit of the halo effect of youth vs. the reality of what the situation will be like," says Carrie Braxdale, managing director of investor services at TD Ameritrade. In fact, the odds are slim that young adults will inherit wealth because their parents face a less secure retirement world, with stock market turmoil and mounting health care costs. Only 16% of parents said that they expect to provide an inheritance, says the TD Ameritrade study. The fact that many parents are scaling back on bequests does not necessarily mean that they can't afford to provide an inheritance. Among adults with at least $100,000 in investable assets, 58% say leaving an inheritance is not a primary concern, according to a PNC survey. Instead, 42% say that saving for retirement is their primary financial goal, while passing on money to a future generation is far down the list. Only 2% say it is a primary financial goal. Young adults are just starting out in life and most of them are used to having their needs taken care of by their parents, Braxdale says. But, as research shows, many parents are helping to pay for the rising cost of a college education. And they don't expect their kids to help if they run out of money in retirement. Kids need to know that their parents face a more risky retirement future. In the past, seniors relied on pensions, Social Security and investments. And they could count on setting aside some of their savings for their families. Today, seniors worry that Social Security and Medicare will not always be there for them, according to PNC. And low interest rates make it harder for retirees to live off of interest and save the rest of their savings for their kids, says Stephen Pappaterra, managing director of wealth planning for PNC Wealth Management. But their biggest concern is the rising cost of health care, because Americans are living longer. "If they live to 95," Pappaterra says, "they feel that they better have enough money to keep themselves comfortable." [此贴子已经被作者于2013/7/19 17:40:43编辑过]
懒人和贪婪的人是世界发展的中尖力量
★ 发自Android 华人阅览器 6.1
曹雪芹晚年穷困燎倒，人还在，钱没了，很悲哀啊。
他好象就没有有钱过吧，我的意思是不算小时候家族给的好日子的话。。。
他完全不懂挣钱，又是公子哥习气, 穷困潦倒是正常。。。
不过感叹一句，他的命可真不好。。。
[此贴子已经被作者于2013/7/19 15:57:08编辑过]
其实他结交的不乏皇亲显贵，可人家铮铮傲骨，不为五斗米折腰
劳动赚钱嘛，也不是做二爷。
以前说中国穷，干什么都没钱。出国了，到美国不管挣多少还是觉得钱不够花。
统计数据说美国家庭中位收入5w1，就是有一半家庭收入在5w1以下。而这里念了masterphd的华人收入恨不得是5w1的4，5倍，还是叫唤不够花。
我觉得对于打工的来说，美国已经是能提供相对最公平的环境和最高的收入了，我就不明白了，为什么不够？
我知道一会又有人来算，我房贷多少，小娃花多少，balalla，最后月光。
我只能说，人心不足蛇屯象。华人的不够花，就是建立的这个贪婪基础上。401要放满，SS要存满，要买top学区的大房，要好车，要whole food，要每年两次出境游，要.............
你们不觉得即使在美国，这么多的要求也不是打工者能做到的么？
心比天高而做不到不是平添痛苦么？为什么就不能快快乐乐的生活，一定要向上攀比？而且自己不拼命，却老是push自己老公奋斗。
[此贴子已经被作者于2013/7/18 17:53:36编辑过]
觉得lz说的很有道理，我就是这样，来的时候一穷二白时候过的苦，后面生活越来越好了，但还是一直感觉不够花，每次抱怨，lg就跟我说，想想刚来时候过的日子，就知足了
以下是引用小猪2005在7/19/2013 12:11:00 PM的发言：
你没看这里只要讲自己收入，不管是bso还是抱怨贴，开贴必有“LV也有几个”，不提都开不了贴！
严重同意。我lg比我活得轻松舒服多了，有“一切尽在掌握中”的架子，我倒是总是一副“忧国忧民”的姿态，其实我长大的环境还不错呢。就是安全感差了。不过我也奇了怪了，怎么他老人家就能那么乐观？
大概你比较会居安思危，你劳工活在当下。。。
以下是引用麻辣烫在7/19/2013 4:10:00 PM的发言：
“一定要向上攀比” 这句话是根本。其实啊，还是穷怕了，才会这么在意手上这些东西。人家很多老美，一生活的自由自在的，还不是因为从小生活没压力。
理解吧，有些年纪大的都是过过苦日子的，手里有钱心才不慌。美国人能拿到爸妈甚至祖父母的遗产，工作房子没了能搬回爸妈家里住，在美华人，尤其年纪大的，父母那代也没赚到钱，当然没有安全感。
Younger people expect inheritance that won't exist
Young Americans who grew up during the Great Recession
apparently did not learn much from their parents' money woes. There is a
major disconnect between many of their financial wishes and realitiehinkstock
Nearly 40% of Generation Z, those ages 13 to 22, expect to receive an inheritance, according to a recent TD Ameritrade study. As a result, they don't believe that they will need to save for retirement. "There
is a little bit of the halo effect of youth vs. the reality of what the
situation will be like," says Carrie Braxdale, managing director of
investor services at TD Ameritrade. In fact, the odds are slim that
young adults will inherit wealth because their parents face a less
secure retirement world, with stock market turmoil and mounting health
care costs. Only
16% of parents said that they expect to provide an inheritance, says
the TD Ameritrade study. The fact that many parents are scaling back on
bequests does not necessarily mean that they can't afford to provide an
inheritance. Among adults with at least
$100,000 in investable assets, 58% say leaving an inheritance is not a
primary concern, according to a PNC
survey. Instead, 42% say that saving for retirement is their primary
financial goal, while passing on money to a future generation is far
down the list. Only 2% say it is a primary financial goal. Young
adults are just starting out in life and most of them are used to
having their needs taken care of by their parents, Braxdale says. But,
as research shows, many parents are helping to pay for the rising cost
of a college education. And they don't expect their kids to help if they
run out of money in retirement. Kids need to know that their parents face a more risky retirement future. In the past, seniors relied on pensions, Social Security and investments. And they could count on setting aside some of their savings for their families. Today,
seniors worry that Social Security and Medicare will not always be
there for them, according to PNC. And low interest rates make it harder
for retirees to live off of interest and save the rest of their savings
for their kids, says Stephen Pappaterra, managing director of wealth
planning for PNC Wealth Management. But their
biggest concern is the rising cost of health care, because Americans are
living longer. "If they live to 95," Pappaterra says, "they feel that
they better have enough money to keep themselves comfortable."
[此贴子已经被作者于2013/7/19 17:40:43编辑过]
不过在美国的大部分第一代心里多少有没有根基的“北漂”感，确实也没有安全感。
还有就是自己想过什么日子就应该自己去想办法挣，别push别人，除非家里那位没有付到基本养家的责任。学会接受“有心无力”的事实，在同样心高的前提下，且不说能力很重要，哪怕有能力有时欠缺一点运气也是不行的。所以得明白自己的日子自己过。BSO就没什么好谈了。
你这太夸张了
1. 美国算不上世界头号富裕国家
2. 打工的挣paycheck而已 什么时候站到金字塔塔尖上了
★ 发自iPhone App: ChineseWeb 7.8
当然，大家都是安分守己的人，不会去抢银行的，年入5w就活不出6w的活法。
我想说为什么大家有这么多的高要求，高愿望，而不能enjoy当下的快乐生活？
攀比，死要面子作崇。
钱哪有够花的，总有更高的愿望。。。。抱怨两句别当真，到头还不是多少钱就是多少钱的活法
人家觉得钱不够花，lz为什么这么愤怒呢。 用5万的全国中间收入说事有啥用，华人大多在高消费的东西两岸。
exactly!我们这代人最悲催，父母无论有没有钱，到老年总没安全感，对钱会变得比较看重。我们尽孝心每年
＂表示＂一下，２边就要大几千上W刀，而且是税后的钱。
现在国内保母报吃住４０００／月，光
给出个保姆费２边就要１０WRMB／年了。回头子女又指望不上，美国没有靠子女养老的说法，
我们只有......
也没琢磨给谁家公子做个家教。。。。
要是搁现在把红楼梦一段段地post上网，然后再改编成电视剧，亿万富翁也是有可能的。。。哈哈
我就奇了怪了，怎么我认识的生活中的国人跟华人上的国人简直是大相径庭，有那个收入怎么不能先把自己和家人的头发先捯饬一下，毕竟一般来说，再差的美国店里的理发师怎么也比自己理的强点儿。
我生活的世界和华人网上的差太多了，所以我总来这里看热闹。
push自己是上劲，push别人赚钱给自己花是贪婪
非常同意。倒是我认识的美国人，挣多少都说不够啊。我就纳闷怎么老不够，其中一个mm，工资不低，房子没有很贵，手机不能上网，娃只有一个，了解了下才知道，人家花钱订消费者报告，花钱参与网上讨论，花钱参加clubs，心情一不好就花钱看心理医生。。还有一个美国朋友，买了70万大房子（中部），却几年了都说没攒够钱装自动灌溉
[此贴子已经被作者于2013/7/19 13:18:44编辑过]
这上网灌水还要花钱啊,,,还是huaren好，千万别收钱
美国人也月光， 只不过人家不叫。
问题是美国人叫唤也不在这huaren叫唤啊
钱哪有够花的，总有更高的愿望。。。。抱怨两句别当真，到头还不是多少钱就是多少钱的活法
我生活的世界和华人网上的差太多了，所以我总来这里看热闹。
钱哪有够花的，总有更高的愿望。。。。抱怨两句别当真，到头还不是多少钱就是多少钱的活法
嗯，抱怨归抱怨，日子还是量入为出的过
量入为出没有不够花的道理。从来没为钱发过愁的人飘过。。。
以前说中国穷，干什么都没钱。出国了，到美国不管挣多少还是觉得钱不够花。
统计数据说美国家庭中位收入5w1，就是有一半家庭收入在5w1以下。而这里念了masterphd的华人收入恨不得是5w1的4，5倍，还是叫唤不够花。
我觉得对于打工的来说，美国已经是能提供相对最公平的环境和最高的收入了，我就不明白了，为什么不够？
我知道一会又有人来算，我房贷多少，小娃花多少，balalla，最后月光。
我只能说，人心不足蛇屯象。华人的不够花，就是建立的这个贪婪基础上。401要放满，SS要存满，要买top学区的大房，要好车，要whole food，要每年两次出境游，要.............
你们不觉得即使在美国，这么多的要求也不是打工者能做到的么？
心比天高而做不到不是平添痛苦么？为什么就不能快快乐乐的生活，一定要向上攀比？而且自己不拼命，却老是push自己老公奋斗。
[此贴子已经被作者于2013/7/18 17:53:36编辑过]
完全不同意。
华人已经算各个种族里比较节省，未雨绸缪的了。
同时我也不觉得华人都心比天高，大家都很量入为出，各种取舍，把好钢用在刀刃上。
大概很多人确实工资很高,钱都是大风吹来得.
钱哪有够花的，总有更高的愿望。。。。抱怨两句别当真，到头还不是多少钱就是多少钱的活法
★ 发自iPhone App: ChineseWeb 7.8
钱哪有够花的，总有更高的愿望。。。。抱怨两句别当真，到头还不是多少钱就是多少钱的活法
以下是引用千夜在9/20/2013 12:58:00 PM的发言：
完全不同意。
华人已经算各个种族里比较节省，未雨绸缪的了。
同时我也不觉得华人都心比天高，大家都很量入为出，各种取舍，把好钢用在刀刃上。
很多刻板印象其实都是真的。
你不刻板，成天挖烂坑来颠覆华人形象