hellohey 发表于 2025-07-31 12:50 我随便查的全美住房拥有率。你要细分， Homeownership Rates by Age People aged 65 and older have the highest homeownership rates, peaking at 79%. Americans around 55 to 64 years old follow closely as the second-highest homeownership numbers at 76%. Americans aged 35 to 44 and 45 to 54 have homeownership rates ranking above 60%. A significant drop in homeownership is found with people under 35 years old (37%), making it the only age group with rates below 50%. 来源 Moneygeek.com
查一下资料有这么困难吗？ A surviving spouse's pension benefit varies based on the type of pension (Social Security, government pension, private pension) and the specific plan. Generally, they may receive a percentage of the deceased spouse's benefit, potentially ranging from 50% to 100%, or a lump sum payment. Here's a more detailed breakdown: Social Security Survivor Benefits: Full Retirement Age: If the surviving spouse is at or above their full retirement age, they can receive 100% of the deceased spouse's benefit.
纸醉金迷 发表于 2025-07-31 13:21 查一下资料有这么困难吗？ A surviving spouse's pension benefit varies based on the type of pension (Social Security, government pension, private pension) and the specific plan. Generally, they may receive a percentage of the deceased spouse's benefit, potentially ranging from 50% to 100%, or a lump sum payment. Here's a more detailed breakdown: Social Security Survivor Benefits: Full Retirement Age: If the surviving spouse is at or above their full retirement age, they can receive 100% of the deceased spouse's benefit.
medicaid estate recovery program，实际还是房子看病，无房最后两手一摊才行 AI 概览 While every state is required to have a Medicaid Estate Recovery Program (MERP), some states are more aggressive in their enforcement than others. Some states, like California and Texas, limit recovery after the death of a surviving spouse or if there are certain qualifying dependents. Several states have also taken steps to limit recovery for non-long-term care services. Here''s a more detailed breakdown: All states have MERP: Federal law mandates that states have an estate recovery program to recoup Medicaid costs for certain long-term care benefits. State variations in enforcement: While all states have MERP, the way they implement it varies significantly. Some states are more aggressive in pursuing recovery, while others have stricter limitations on what they can recover. Exceptions and limitations: Many states have exceptions and limitations on estate recovery, particularly when there is a surviving spouse or certain qualifying dependents (like minor or disabled children). California and Texas: These states, for example, prohibit MERP after the death of a non-Medicaid spouse, unless the spouse was also a Medicaid recipient. Expanded recovery: Some states have implemented "expanded" estate recovery, which may include assets held in trusts or other non-probate assets. Focus on probate estate: Many states, including California, limit recovery to the deceased''s "probate estate," which includes only assets that pass through probate.
For someone in the US with a monthly income of $2000 and who is also elderly, several benefits programs may be available. These include Supplemental Security Income (SSI), Medicare, Medicaid, and potentially SNAP (food stamps). Explanation: Supplemental Security Income (SSI): This is a needs-based program providing monthly cash assistance to those 65 and older with limited income and resources. An individual with $2000 monthly income would likely be eligible for some level of SSI benefits, though the specific amount would depend on other factors like assets, living situation, and state supplement payments. Medicare: This is the federal health insurance program for those 65 and older. It helps cover medical costs, but has premiums, deductibles, and co-pays. Medicaid: This is a joint federal and state program providing health coverage to those with limited income and resources. It may cover costs not paid for by Medicare and can be particularly helpful for low-income seniors. SNAP (food stamps): This program provides assistance for purchasing food. Eligibility and benefit amounts depend on income, household size, and other factors. Other potential benefits: Depending on the state of residence, there may also be state-specific programs for seniors with low income. Some may provide assistance with heating costs, prescription drugs, or other needs. To determine eligibility and benefit amounts, it's crucial to apply for the specific programs and provide accurate information about income, assets, and living situation. Contacting the Social Security Administration, Medicare, Medicaid offices, and relevant state agencies is recommended.
住房福利 Seniors in the US with a low monthly income, such as $2,000, can explore various government-assisted programs to find affordable housing, potentially including subsidized condos. Here are the primary programs to consider: Section 8 Housing Choice Voucher Program: This program, administered by local Public Housing Agencies (PHAs), helps low-income individuals and families (including seniors) afford safe housing in the private market. If you qualify based on income and family size (generally not exceeding 50% of the median income for the area), you'll receive a voucher to help cover rent and utilities. You're responsible for finding suitable housing, which can include apartments, condos, or single-family homes, as long as the landlord agrees to the program's terms. To apply, contact your local PHA, says the US Department of Housing and Urban Development (HUD). Waiting lists for Section 8 can be long. Section 202 Supportive Housing for the Elderly Program: This program focuses specifically on low-income seniors (62 years or older) and provides affordable rental housing in communities designed for independent living, often with supportive services like transportation, cleaning, and cooking. Rent is subsidized, meaning you'll pay a fixed percentage (typically 30%) of your adjusted income, says National Church Residences. To qualify, your household income must be less than 50% of the Area Median Income for the property's location. You'll need to contact a property manager participating in the program to apply. HUD doesn't manage the leasing of these properties. Public Housing: This program provides affordable rental housing for eligible low-income families, seniors, and people with disabilities in apartments owned and operated by local Public Housing Agencies. Rent is generally capped at 30% of your monthly income. You'll apply through your local PHA. Low-Income Housing Tax Credit (LIHTC) Program: This program encourages the development of affordable housing units by offering tax breaks to developers. You'll need to meet the income requirements (usually earning within 30-70% of the area's median income) for the specific property you're interested in. LIHTC properties can sometimes be combined with Section 8 vouchers. In addition to these programs, you can also explore resources from the National Council on Aging (NCOA) like BenefitsCheckup, which can help you determine if you qualify for various benefits that can assist with housing costs. You can also contact your local Area Agency on Aging for information about available housing options and resources in your community.
你生活在天堂，看不见人间疾苦的 https://www.gao.gov/blog/more-older-adults-are-homeless-what-can-be-done-help-vulnerable-population-unique-needs More Older Adults are Homeless—What Can Be Done to Help this Vulnerable Population with Unique Needs Posted on January 16, 2025 Homelessness in the U.S. reached a record high in 2024, according to a new annual point-in-time count released in December by the Department of Housing and Urban Development (HUD). More than 770,000 people experienced homelessness on a single night in 2024, an increase of about 18% compared to 2023. About 20% of those experiencing homelessness (or one in five) were older adults, ages 55 and up. The combination of growing homelessness and an aging U.S. population has raised concerns about the supports and programs available to help older adults experiencing homelessness. Today’s WatchBlog post looks at our recent report on the challenges in providing supports to older adults and the obstacles many older adults face in accessing help.
聊到这里我推荐一本刚读完的书，The Psychology of Money。简单易读，书里谈到最重要的一个原则其实是很简单的道理，which is, ironically, against American consumerism. https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681
比她每个月付900便宜，如果找的售货员工作就在家附近。我回那贴层主说的没车没办法买菜，我觉得不要车了，打Uber一周买一次菜，比花900弄个车开好吧？80岁以上开车也不放心了吧？医保现在不是也包没人接的Uber钱吗？她家完全可以cut掉养车费
剩老头可以去泰国，让泰妹给养老。剩老太太就不好办。
没错，因为租房的生活成本主要是房租。自己付钱的single house房子的话就是地税和维护成本。自己付钱的condo是地税和管理费。自己付清的coop是管理费。
这就正常了，中老年人79%拥有自住房，这个比例挺高了，基本上中产都是有自住房的，这也跟我在美国住了二十多年看到的情况差不多。 普通老人一个月拿三四千美元SSN,有个自住房，可以卖了租房子，或者住老年公寓。
她打工每周5天，一个round trip算$40好了 (5 miles也要20刀)，每月光是打工uber费是多少？
都80多90多了，能活几年？还打工？不如从房子里拿钱出来好好过日子，花完了正好也弱的出不了卧室了，真变穷人了正好政府免费nursing home了，老得已经完全不知道啥事了，住nursing home一对多，没儿女管也不知道有多差环境了，爱谁谁吧。30万美元给这80-90多老人还能好好花阵子吧？
我们这就这样, 打Uber去机场都打不到车. 将来我肯定是要去大城市养老的.
反正我没有觉得美国老人悲惨。 你看看国内一些视频，一些农村老人只能在工地上搬砖，每天啃馒头要强，很多人边说边哭，国内农村人的比例比城里的要多得多。 我无法同情一个每个月花900美元在车子上的老太太，我更同情那些一个月只能拿100快人民币的老人们。
美国底层人绝大部分都几乎没有存款，投资收入吧，靠每月的工资单生活的占大多数的
这种median🧑🧑🧒收入，养两个孩子，在美国就是要做一辈子牛马，不要停一口气，学习飞凤吃顿panda当大餐，才能过下来而已。
美国的大房子，旅游resort度假，好学区，… 基本上没任何关系。但因为汇率加持，被划为高工资高收入，被想成高档美国生活。
他们现在收入4600，月光。30万够花5年, 然后老头挂了pension gone, 老太太钱更不够用。他们的问题是ss benefit不会消失，当不成政府标准纸面穷人。
欧洲老太太去尼日利亚买陪伴
你的标准太高，你”穷”到深渊，比SD median house 收入还要高大约 2成 😂
老头走了老太太可以继续领老头的pension 的，感觉你完全不懂美国的pension和SSN制度。
国内底层人民不需要车贷，车险，房险，医保，医疗，在美国，你不吃不喝每月也得很大一笔支出的来支撑你的各种消费的，被资本家绑死了
没想到会有UBER都打不到的地方，我姨是86岁回国养老的，现在有两个保姆帮助，家里干净整洁，眼睛看着舒服，有好吃的中国菜，晚上起夜上厕所，有人看着不摔倒，自己儿女也50多快60根本做不了这些，我姨以前自己也会开车上下班。 不过有的人90多也还是能生活自理，不是特别需要人帮，这样的人也有。
对，我就是这种。
你这么懂，去帮老两口理财吧。你不是教徒吗？要generous帮助弱者才能去天堂哦。
我不是说了吗，这对老人问题就是年轻时没买房。
这种收入的老人，Medicare advantage PPO这种保险公司 deny defy defend专用品牌，倒不是大支出。
疫情通胀，真是对这种老人的致命一击。
疫情之前，通胀还真是很温和的，统计局的数字还没现在瞎编的离谱。
也许是downsize卖掉了房子呢。
2026年1月1号，加州Medicaid 改回了13万资产限制
怀疑你是不是被盗号了，所以连一些美国的基本常识都不知道了。我身边有老公四十多就过世的，老婆现在就在领他的SSN了。 随便查一查Surviving spouse的权益吧。
通胀对于欧洲普通退休老人也是暴击。我听节目举例一个法国一个德国，utility暴涨冬天不敢开暖气，买菜要非常算计多吃土豆。
我不是说了吗，回那位层主的买菜和看病需要养车，我说打Uber行了呀。一周买一次菜，又不需要每天看医生，工作的人不买车的也有的，比如老太太才工作17小时，也不是一周去5天。有可能就是一周去两天把自己去的时间cover就好了，花什么钱买新车，保养加油那些呢？有的医院工作每周三天12小时班就不需要买车，每天上下班Uber，有人开车不用交downtown医院趴车费，也不会因为疲劳驾驶出事。 80-90多在马路上开车的还是小心点吧。 不过我看YouTube上那个96岁退休护士是自己开车上下班的。我感觉一般人80岁以上都不开车了
这对老人一个月4600，比很多老人强多了，还是没规划好。估计也没儿女帮一下，无子女那种。有子女的，比如我同事父亲一个月3700，他们还帮助她父亲的。白天送成人daycare。
surviving spouse领的是一份，不是2份。这家人现在老公有一份，老婆如果自己以前没工作拿老公1半，加起来是1.5份。老公挂了总额剩下1份。是哪种情况收入多呢？
懒得说你没常识。
和住在中西部的飞凤大妈差不多，开个10几年残值几千刀的旧车，地产税便宜的州，房子通胀后评估价60万，也有可能。
美国各地差异很大，他这种地方消费物价，比密西西比贵（对应现今中国得东北虎小城市）不了多少，也有可能。
查一下资料有这么困难吗？
A surviving spouse's pension benefit varies based on the type of pension (Social Security, government pension, private pension) and the specific plan. Generally, they may receive a percentage of the deceased spouse's benefit, potentially ranging from 50% to 100%, or a lump sum payment.
Here's a more detailed breakdown:
Social Security Survivor Benefits: Full Retirement Age: If the surviving spouse is at or above their full retirement age, they can receive 100% of the deceased spouse's benefit.
>>比如老太太才工作17小时，也不是一周去5天。有可能就是一周去两天把自己去的时间cover就好了
文章她每天最多5小时，所以是4天。不是说你想工作8小时雇主就让的，她这岁数有人要她就谢天谢地了。
美国nursing home1万多，等90多岁老人过世，80多这位也老的出不了卧室门了吧，不是已经查出来心衰的，也该进nursing home了，自己一个3000多全部给nursing home，剩下的政府出了啊，就是目前两位老人还不到出不了卧室状态，所以不愿意走nursing home的路，谁都知道nursing home那么贵也不如住在自己家里舒服。能动脑子好用的没人愿意住在nursing home。
SS一方去世另一方领100%。同时她自己的半份消失，不是说让她double dip, 所以家庭总收入还是降了。
这种保安收入，拼命省钱也好不到哪里去。
及时行乐，曾经沧海拥有不了多个女友，每天当下$10买来咖啡快乐几个小时就行了。
这些快乐都没有了，指望几十年以后的老有所安，你这是折磨他啊。
站在他的立场想一下，大概如此！
那你怎么不说老头死了后开销也少了很多呢，一个孤寡老太太一个月两千美元都不够用，她比中国农村老太太高贵很多吗？
我看了英文原文。他们08年大recession 前买了房，但是default 了被foreclose 银行收走了，本金损失了一大笔。
反正你看原文的话老俩口结婚30年不是彼此原配，年轻些时不算太穷，但7折腾八折腾看不住钱渐渐都没了，越老越钱少，医疗费用没攒够，两下就没了。原文也说他们那代人不太有理财意识，401k 对他们也是新生事物没重视，后来存了也就最多到了一万块。
老太太的每周三百是take home pay. $4600 节省的华人老人肯定是能过的还能存点。
确实如此
美国资本家的 subscription 模式，美国国内无敌大杀器
难怪，买房时间点不对。年轻时买估计就有好的晚年了，还是不会过日子，4600退休金在美国某些地方还可以了，我同事老爸也就是3700退休金，还有一个值几十万美金的房子，估计现在更贵，主要就是买的早。
他们现在租1B $1400, 剩个老太太咋cut?
其实这是重点，4600每月是申请不了白卡的，就算他老婆不工作也有3000左右，估计是不符合白卡资格的，没有白卡就没有免费的长期护理，而且自己每个月还要扣红蓝卡part b的保费，看病估计还蛮多自付额的。说真的，他两这生活，还不如赤贫的退休人士。虽然拿着不到一千的退休金，但是符合廉租房申请资格，看病靠白卡完全不用付，还有免费的长期护理。之前就碰到过一个老美阿婆跟他两情况差不多，工作了一辈子，不上不下，看个病拿点药还要跟保险公司各种扯皮，感慨自己还不如一个一辈子没怎么工作过住在政府楼里的闺蜜
魔幻世界
为啥不能住养老院或者老年公寓去？政府的养老院和福利公寓不允许她住了？还有各种福利政策可以申请的。 在美国还没见过八十多的老人流落街头等死的。
那倒也是。我没细看，就看个标题大概的。
不过很多中国来的老人根本没有这个心气去工作。我妈六十多的时候就自称七十多了，我爸七十多就自称八十多了。
赤贫退休人士，只要有子女在数年的等待期提供商免费食宿，之后得日子就是政府全包养模式，还有快1千$的SSI，完全不是这种牛马得日子能比的。
medicaid estate recovery program，实际还是房子看病，无房最后两手一摊才行
AI 概览
While every state is required to have a Medicaid Estate Recovery Program (MERP), some states are more aggressive in their enforcement than others. Some states, like California and Texas, limit recovery after the death of a surviving spouse or if there are certain qualifying dependents. Several states have also taken steps to limit recovery for non-long-term care services. Here''s a more detailed breakdown: All states have MERP: Federal law mandates that states have an estate recovery program to recoup Medicaid costs for certain long-term care benefits. State variations in enforcement: While all states have MERP, the way they implement it varies significantly. Some states are more aggressive in pursuing recovery, while others have stricter limitations on what they can recover. Exceptions and limitations: Many states have exceptions and limitations on estate recovery, particularly when there is a surviving spouse or certain qualifying dependents (like minor or disabled children). California and Texas: These states, for example, prohibit MERP after the death of a non-Medicaid spouse, unless the spouse was also a Medicaid recipient. Expanded recovery: Some states have implemented "expanded" estate recovery, which may include assets held in trusts or other non-probate assets. Focus on probate estate: Many states, including California, limit recovery to the deceased''s "probate estate," which includes only assets that pass through probate.
Explanation: Supplemental Security Income (SSI): This is a needs-based program providing monthly cash assistance to those 65 and older with limited income and resources. An individual with $2000 monthly income would likely be eligible for some level of SSI benefits, though the specific amount would depend on other factors like assets, living situation, and state supplement payments. Medicare: This is the federal health insurance program for those 65 and older. It helps cover medical costs, but has premiums, deductibles, and co-pays. Medicaid: This is a joint federal and state program providing health coverage to those with limited income and resources. It may cover costs not paid for by Medicare and can be particularly helpful for low-income seniors. SNAP (food stamps): This program provides assistance for purchasing food. Eligibility and benefit amounts depend on income, household size, and other factors. Other potential benefits: Depending on the state of residence, there may also be state-specific programs for seniors with low income. Some may provide assistance with heating costs, prescription drugs, or other needs. To determine eligibility and benefit amounts, it's crucial to apply for the specific programs and provide accurate information about income, assets, and living situation. Contacting the Social Security Administration, Medicare, Medicaid offices, and relevant state agencies is recommended.
omg，不是原配也结婚30年了，看来我黄昏恋有希望啊
在国内，哪怕是农村，如果子女有条件，60岁的农民也默认为该退休了不用在地里干活了。
Seniors in the US with a low monthly income, such as $2,000, can explore various government-assisted programs to find affordable housing, potentially including subsidized condos. Here are the primary programs to consider: Section 8 Housing Choice Voucher Program: This program, administered by local Public Housing Agencies (PHAs), helps low-income individuals and families (including seniors) afford safe housing in the private market. If you qualify based on income and family size (generally not exceeding 50% of the median income for the area), you'll receive a voucher to help cover rent and utilities. You're responsible for finding suitable housing, which can include apartments, condos, or single-family homes, as long as the landlord agrees to the program's terms. To apply, contact your local PHA, says the US Department of Housing and Urban Development (HUD). Waiting lists for Section 8 can be long. Section 202 Supportive Housing for the Elderly Program: This program focuses specifically on low-income seniors (62 years or older) and provides affordable rental housing in communities designed for independent living, often with supportive services like transportation, cleaning, and cooking. Rent is subsidized, meaning you'll pay a fixed percentage (typically 30%) of your adjusted income, says National Church Residences. To qualify, your household income must be less than 50% of the Area Median Income for the property's location. You'll need to contact a property manager participating in the program to apply. HUD doesn't manage the leasing of these properties. Public Housing: This program provides affordable rental housing for eligible low-income families, seniors, and people with disabilities in apartments owned and operated by local Public Housing Agencies. Rent is generally capped at 30% of your monthly income. You'll apply through your local PHA. Low-Income Housing Tax Credit (LIHTC) Program: This program encourages the development of affordable housing units by offering tax breaks to developers. You'll need to meet the income requirements (usually earning within 30-70% of the area's median income) for the specific property you're interested in. LIHTC properties can sometimes be combined with Section 8 vouchers. In addition to these programs, you can also explore resources from the National Council on Aging (NCOA) like BenefitsCheckup, which can help you determine if you qualify for various benefits that can assist with housing costs. You can also contact your local Area Agency on Aging for information about available housing options and resources in your community.
福利我不懂，所以说要你们熟知福利教友帮助他们啊。
说到底美国强大了太多年了 。大家安全感过足没有足够积蓄抵挡世道的变化
那位层主估计会叫老太搬到低消费州的老年公寓去。 殊不知这么大年纪的老太，这个收入，根本租不到房。但凡有其他选择，房东不会租给她。老年公寓也要排队。况且别说老头老太，一般人真不知道去什么地方申请老年公寓。 哎．．．
福利这块，我知道点，大原则是：你至少要有能力装成无资产无啥收入
拿了SS，基本上就没指望这个list了。这个纸迷，和恨命飞凤大妈一样无知
免费食物food bank这一块，算是真正的福利，去领一点快要过期的食物，壮汉去领都没有volunteer 拦着你不让领。
黄川粉基本都是爹妈在这吃福利的 真正的社会蛀虫
看上面我贴的信息，她不需要搬家，可以直接申请政府福利房。如果住一般公寓，也会有补贴的program。
问得好。这个板上有些人完全没有同理心和常识，每次都被他们的发言震惊到。
这不就是所谓美国梦吗，这不就是公知高华吹嘘的美国吗。当初有钱，人寿命也短，拿去养非移没啥，现在贫富差距增大，人越活越久，收入不足以支付开支问题就来了，川普反移民为啥那么深入人心
那是纸上的，老人等不等得到批下来那天都难说。 除了职业吃福利熟悉福利空子的人，一般美国老头老太很少有资源信息时间和精力去申请到这些福利。而且decent的人多少有点pride. 我这么说是因为接触过拿section 8和政府补贴（住房voucher)的人. 不是随便一申请就拿到的。很多人申请好几年了也没有。
你生活在天堂，看不见人间疾苦的
https://www.gao.gov/blog/more-older-adults-are-homeless-what-can-be-done-help-vulnerable-population-unique-needs
More Older Adults are Homeless—What Can Be Done to Help this Vulnerable Population with Unique Needs Posted on January 16, 2025 Homelessness in the U.S. reached a record high in 2024, according to a new annual point-in-time count released in December by the Department of Housing and Urban Development (HUD). More than 770,000 people experienced homelessness on a single night in 2024, an increase of about 18% compared to 2023. About 20% of those experiencing homelessness (or one in five) were older adults, ages 55 and up. The combination of growing homelessness and an aging U.S. population has raised concerns about the supports and programs available to help older adults experiencing homelessness. Today’s WatchBlog post looks at our recent report on the challenges in providing supports to older adults and the obstacles many older adults face in accessing help.
你这就是吹毛求疵了。
文中“沉默的一代”是boomers的父辈 好心酸
有一说一，不是川粉的也有父母是这样子的。说到底就是美国福利制度的一个漏洞。
我比你觉悟得早一些😄
他们有退休收入，很可能不符合低收入的标准。不像中国老人，国内退休金都不报的，说是赤贫。
再一个，低收入的政府养老院条件非常差，知道的两个每年都会闹bed bug. 一辈子工作的有退休金的老人，肯定不想住那种，除非实在没办法
但是一点不妨碍他们在帝都/魔都有千万（rmb，折算美元也是百万）的房产
八九十岁的老父老母为每月几百刀挣扎，子女袖手旁观?
我房子租给了section 8的人，收入是当地 大约median * 30%的🧑🧑🧒才有优先权。收入必须50% * median收入的，才有资格排后面的队伍
大越等5-10年。section 8 大越只能满足大约 1/4的需求。
我也奇怪为什么汽车花费每月625美元，比我的还高。
我接触过section 8 和住房voucher 的人，有data point. 我从实际经验中知道正常美国老人和专业吃福利人的区别。 倒是你这么执着一定要证明美国老人2000能活很好，还叫人家去领免费食物，不知是为什么？ 受过教育有过decent 工作（电视台)的老人，晚年为什么要沦落到你规划的这种吃福利领救济然后去和中国农村贫困老人比？
我说的隐瞒美国之外收入和财产老人不是非移是合法移民。讲真，非移把脏活累活美国人不干的给包了，好歹有贡献。老年移民美国零贡献，而花国家养老钱得多少？这不是sb政策吗。
关键很多华人用自己爹妈在美国装穷人吃福利的经验，说别人为啥不领福利，为啥不跟老公离婚然后领福利。
为啥，因为有些人要脸，有些人不要。
风飞大妈又开始粘贴复制了，你有仔细查过标准吗，福利那么好申请，美国人民个个幸福，吃饱撑的没事枪击选个川普找刺激是吗
因为他们有“能力”可以装成无资产无收入。
优秀的共产党员体制内成功人士为杰出代表。
美国文化啊
说说你的爱国事迹呗，让大家乐呵乐呵
主楼的两个老人，应该也是这样。
还有个关键的数据是这65%自已房屋当中只有不到40%的是paid off的，所以美国人实际完全拥有自住房的就四分之一的家庭。我知道美国人的住房开销很大，但是知道这个数据的时候还是很shocking的。
这个自己承认过是恨命/飞凤大妈吗？
99.99%的文字味道相似度
其实人家倒也没怎么”装“，因为我们这些认识他们的人都知道他们在国内有资产（房产啦，退休工资啦，甚至business），但是美国的福利制度可能就是不过问（？）。我们家没有老人移民，不懂。是不是这种海外资产都是self-claimed的，你就说没有，或者干脆不说，系统就算你是”赤贫“，你就可以eligible吃福利了。
教会里这种人扎堆
这个道理上需要实话实说的。我认识的很多人都说了退休工资的。我也知道很多人没有disclose自己的asset。实话实说，我认识有一些很有钱，还占这种便宜。
不说反正查不到。年轻投资移民来的好多人娃上大学free医保极其低, 敢信吗？
美国福利制度不问？ 全球征税的国家，外国资产收入不考虑？
当然是 self claim, 美国没法查中国的而已
杭州五套房，三线城市🏫校长，退休金很好，都在用吃福利。
是有这样的，还不少。所以说这是个漏洞。
当然也知道投资移民（带娃在美国）没有占用福利，自己出钱给孩子买保险啥的。感觉少数吧。
对，漏洞就是中国的钱自己瞒着美国查不到也够不着。
娃以前高中时候，大家都知道FOB吃饭免费而开着豪车来上学😂
我的意思就是”不查问“
问而没法查
当然要问，还要签字under oath/penalty
好吧。
https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681
她丈夫90岁了…吃什么软饭了？………