这不是我的个人观点，这是一个事实。网上有很多相关数据，随便搜一下就知道了。平时我喜欢听理财专家的radio, 咨询专家的那些美国老百姓给我的印象也是 - 比较穷。听到好多有趣的事，真让人惊叹，感觉怎么这么多美国人这么缺乏financial sense, 我们中国人天生就懂的关于钱的常识，好像他们都不懂。不过现在习惯了，很多美国人就是那样。 当然如果你生活在中上层或者富裕的圈子里，说我看到我同事我朋友都很有钱啊，很会理财啊，那他们至少也是top 10%， 不是大多数的美国老百姓。你说我们不要跟穷人比，我们要比当然跟上层比，那就是另一个话题，和我的题目无关了。 下面那个有二十万现金存款的美国人，肯定不是大多数啦。 --------------------------------------------------------------------------------------------------------- US Household Income. According to the Census ACS survey, the median household income for the United States was $55,775 in 2015, the latest data available. 2016Census ACS data (including 2016 national household income numbers) will be released in September of 2017. Nearly 7 in 10 Americans have less than $1,000 in savingsHere's how much the average American family has saved for retirement?http://www.cnbc.com/2016/09/12/heres-how-much-the-average-american-family-has-saved-for-retirement.html?
Emergency funds or assets - liability. Thus is important. If emergency fund, that means it includes saving account and stock market investment and it does not include house. I think asset - liability is a better measurement on rich or poor. I know quite a few people who did have big house but their networth is actually negative since they borrowed equity loan. For those people who kept arguing how they experienced and reject author's claim, please use numbers. Personal experience can be very subjective. For example, how many people here live in middle American? How many people here live in inner city? You have no idea what it is like out there (me included).
在美国, 看到不少善于或者钻投资眼里的人.．．
孩子免费教育到18岁。头上有一片瓦遮着。中国和其他第三世界国家贫穷可是完全不一回事情啦。你要比就拿美国富人和中国富人比，中产和中产比。穷人和穷人比。你拿着美国穷人和中国上中产富人比那美国人穷逼了。
美国大部分的人知道量入为出， 如果是老年人更是如此. 那些借贷无法还清的是少数, 站人口比例.
数字说吧：假设夫妻两加起来工资12万。401K两人放满的话，就是36000。这就把收入减少到了84000。如果再来个IRA contribution,两个人是11000。就是AGI到了73000了。所以，放不放这些retirement,一个家庭和另一个家庭可以有很大的收入差别。
有一天我们偷偷的把电话线剪了，结果他还是聊到半夜。当晚我们久久不能入睡。。。
智能手机都没有的。好像是你吧，前一阵说不需要什么的。
1 in 3 Americans Has Saved $0 for Retirement
live paycheck to paycheck的，上学的时候打工的同学基本如此，工作这么多年没见过了，大多数美国人能花钱敢花钱是真的，但是并不等于人家没钱啊，比如bonus拿了小10万，立马花7万建个新deck
老中守着一堆现金，馆子不敢下，啥玩意不敢买也不享受，那是富吗？哈哈。
你这就是不手填税表的结论。今年是98000-118000的phaseout区间。
去年，今年我们组连着退休两个人，都是60多就退了，因为可以keep公司提供的medicare到65岁，他们欢天喜地的，听他们在办公室打电话讲distribute401K的方案，也就是存了2，30万，分20年distribute.这两个都是干了快30年的。
按照老中的逻辑大概就是老美手里没啥现金，所以很穷。哈哈。
万的收入，再加上bonus，这些家庭不就是upper middle class吗，你要非说年收入4-5万的那我的确不了解，估计也的确不可能存钱了
我银行里没啥现金的。就六个月的应急。银行里放一堆现金的是傻蛋。哈哈。
吃福利的存款不能多，资产要少。前提是福利制度的保障。中产阶级是比较紧吧，交税不少，福利没有，每月省不下多少。
至少我知道的美国现在中产还有50%，虽然萎缩了。而且老美几代人下来还有遗产继承的。老中刚刚富起来10几年，居然就多数老美都很穷了。
美国住房拥有率都已经达到65%。过去20年中产萎缩才选出trump，若是70%是穷人这国家早革命了。
是一种长期投资，回报是因为稳定情绪带来的健康。
Most of my old classmates are doing better than I do.
I am talking about mid-class people in Beijing and some other middle size cities. Traveling abroad is nothing, of course based on the people I know.
难道你忘记了全世界最爱美国的就是中国人了？
光说华盛顿DC吧，联邦政府养的富人不知有多少。几个米的房子多了去了，都是纳税人养的，哈哈
某些群体，他们每个家庭都是五六个孩子，这些人还不纳税，知道一个孩子的教育费用、医疗费用是多少钱吗？政府要养这么多人，大家不穷才怪。 可怕的是，这些孩子不到18岁又会接着生孩子，又是生五六个，所以大家会更穷的，不信等着看。
Emergency funds or assets - liability. Thus is important. If emergency fund, that means it includes saving account and stock market investment and it does not include house. I think asset - liability is a better measurement on rich or poor. I know quite a few people who did have big house but their networth is actually negative since they borrowed equity loan. For those people who kept arguing how they experienced and reject author's claim, please use numbers. Personal experience can be very subjective. For example, how many people here live in middle American? How many people here live in inner city? You have no idea what it is like out there (me included).