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  • It seems that many Americans are not experts when it comes to managing their finances, and they often end up broke month after month.

    似乎大部分的美國人對於理財都不太在行,他們通常每個月底就把所有錢花光了 。

  • The cycle of overspending leaves people poor, even if their income puts them well above the poverty line.

    過度消費的輪迴使人們貧窮,即使他們的收入遠高於貧窮門檻 。

  • A household bringing in $75,000 a year or more is considered higher-income, yet a third of those households are living paycheck to paycheck, according to a 2016 survey from SunTrust Banks.

    一個家庭年收入大於 75,000 元即被視為高收入家庭,然而根據 2016 年 SunTust 銀行的統計,其中三分之一的家庭仍然過著月光族的生活。

  • Where is all the money going?

    這些錢到底去哪裡了?

  • That's what we intend to find out, in this episode of The Infographics Show: Why are you poor?

    在這一集的 The Infographics Show 中,我們將試著解出一個問題:你為什麼貧窮?

  • Ok, so you might have a good job and be bringing in a monthly paycheck, but then your bank balance is still in the red at the end of each month.

    好,你可能有個好工作,而且每個月有張漂亮的薪資單,然而每個月底卻依舊收支赤字 。

  • It's not an uncommon theme, and from what we've discovered, there are many reasons people find themselves stuck in this frustrating economic cycle.

    這是個很常見的主題,我們發現,人們會陷入此惡性經濟循環中有幾個主要的原因,

  • By researching what the financial experts are saying, including feedback from interviews by GoBankingRates, who spoke to a number of personal finance experts, we've brought you our list of 10 reasons why you're still feeling poor when you really shouldn't be.

    我們研究了許多專家的說法,其中包括 GoBankingRates 與多位個人理財專家的訪談結果,我們列出了前 10 大原因為什麼你會感到貧窮,

  • Let's take a look.

    讓我們來瞧瞧。

  • 10.

    第十名,

  • You're not making savings a priority. Whether you're saving for a house, for that new car, or simply for your retirement, you will never reach your goal unless you make savings a priority.

    你沒有把儲蓄列為優先,不論是為了一棟房子,為了那輛新車或者只是為了退休生活,如果不先把儲蓄列為優先,你將永遠無法達成目標,

  • Many people think that putting small amounts away will never really add up, but it does, and when it comes to savings, putting that little bit away each paycheck will eventually become the larger amount you'd planned on.

    很多人認為積少成多根本是空想,但如果談到儲蓄積少成多其實是很有效果的,在每次發薪時額外存入一些錢,最後你會累積一筆可觀的資金,

  • Personal finance expert Philip Taylor of PT Money, tells us thatWhen you get paid, make sure you are saving those first few dollars for your future.

    PT Money 的個人財務管理專家 Phillp Taylor 說:「當你收到薪資時確保你為未來存下一小部分的收入,

  • Do it automatically each pay period, and you're more likely to stick with it.

    每一次的發薪日要自動的存下一筆錢,你才可能堅持下去,

  • You get ahead financially by making savings a priority.

    想要在財務上勝利,就得把儲蓄擺在優先位置。」

  • 9.

    第九名,

  • You want that brand new car.

    你貧窮的原因是因為那台新車,

  • Yep, we all like a nice new shiny car, but according to an article by insurance broker Trusted Choice, your brand new car can lose up to 11% of its value the minute you drive it off the lot.

    當然我們都喜歡亮晶晶的新車,但根據一篇保險經紀商 Trusted Choice 的文章,你的亮晶晶新車在第一次開出去時,可能就已損失高達 11% 的價值,

  • In 2015 the average cost of a new car was $33,560.

    在 2015 年,平均每台新車會花費你 33,560 元,

  • And you stand to lose $3,691 by the time you get home and park it in your driveway for the first time.

    然後你第一次開回家,並停回車庫的當下就損失了 3691 元,

  • Let's say you purchased that car brand new and drove it for 10,000 miles.

    這麼說好了,你買台新車並開了 10,000 英里,

  • You are paying $3.36 per mile, plus taking a hit on the value for depreciation.

    你為每一英里付出了 3.36 元,還得加上折舊費用,

  • Now let's say you buy a 5 year old used car for $10,000 and drive it for that same 10,000 miles.

    再來假設你花費 10,000 元買了一台五年的二手車,並且同樣的開了 10,000 英里,

  • Those miles only cost you $1 each, and it holds its value a lot better.

    你為每英哩只花費 1 元,並且承擔較低的折舊費用。

  • 8.

    第八名,

  • You don't set financial goals.

    因為你沒有設定財務目標,

  • You can have all the convictions in the world, but if you don't have solid goals outlining how much you want to earn and save, and how you intend to get there,

    你可以埋怨整個世界,但是你得有明確的目標,設定想賺取多少及存下多少,知道自己該如何去達到目標,

  • you're probably relying on luck to shift from poverty to prosperity.

    否則你想從貧窮到富有只能靠上帝了,

  • Writing these goals down is a good start.

    寫下你的目標是個好的開始,

  • If you have goals that are set too high or maybe set too low, you will be either discouraged or bored, so set realistic goals on your finance and investment ideas.

    如果你的目標太難以達到或是太簡單,你可能會感到無力或是感到無聊,所以設定一個實際的財務投資目標,

  • If a goal feels too big, start by breaking things down.

    如果目標太龐大了,可以把事情拆解成好幾部分,

  • For example, maybe you need to save up at least $6,000 within 6 months.

    例如,如果你需要在六個月內存至少 6000 元的話,

  • Focus on the $1,000 you need to put away every month, instead of the end goal.

    不要把專注力放在那 6000 元,而是放在那每個月你需要存的 1000 元,

  • Setting goals and investing wisely is easy, in the words of Warren Buffett, “You don't have to be a genius to invest well.”

    設定目標並且聰明的投資其實很簡單,巴菲特說過:「你沒有必要成為投資天才,」

  • If you're not doing this today, you may be closer to the poverty line than you should be.

    如果你還沒開始設定目標,你可能已經離貧窮線近了。

  • 7.

    第七名,

  • You don't have a budget. A Gallup poll tells us that as many as 68% of Americans don't have a budget.

    因為你沒有支出預算,一個由 Gallup 發起的調查顯示高達 68% 的美國人並沒有支出預算,

  • If you also don't have one, then start with a basic budget using the 50…20…30 rule.

    如果你也沒有的話,可以從基本的 50-20-30 法則開始,

  • 50% of your net income on housing, food, transportation costs and utility bills, 20% into savings or paying off debt, and 30% to spend on yourself.

    花費 50% 在你的住家、伙食、交通以及水電費,20% 在儲蓄或是付清債務,最後的 30% 則是用在自己身上,

  • It's important to remember that this is based on your net income - your income after tax.

    最重要的一點是,這項法則要建立在你的淨收入上,也就是你的收入扣除稅金,

  • Don't make budgeting decisions on your total pay or you'll be very disappointed when taxes start being deducted and you wonder why you're still struggling to make ends meet.

    別將支出預算建立在你的總收入上,否則當你繳完稅後會很懊惱為何還在為收支平衡掙扎,

  • No matter how rich or poor you are, a budget is almost always a necessity because it can help you figure out where your money problems are and what you can do to improve your financial situation." says Michelle Schroeder-Gardner, personal finance blogger at Making Sense of Cents.

    「不管你是貧還是富,一個支出預算絕對是必要的,因為它可以讓你知道自身的理財問題在哪,還有要如何去改善財務狀況。」Making Sense of Cents 的個人財務部落客 Michelle Schroeder-Gardner 這麼說著。

  • 6.

    第六名,

  • You treat yourself too often.

    你對自己太好了!

  • For some of us, the 50…20…30 rule can sometimes look more like 50…0…60 because you're maxing out spending on essentials, saving nothing, and accumulating debt with additional spending.

    50-20-30 法則在有些人的眼中會變成 50-0-60 法則,因為你將基本支出極大化, 然後什麼錢都存不到,累積債務及增加額外支出,

  • Whether it's eating out, buying new clothes, or taking too many short vacation breaks, it doesn't matter.

    不管是吃外食、買新衣服,或是渡太多假都不重要,

  • It takes discipline and lifestyle changes to correct overspending habits.

    你需要的是紀律及改變生活方式來導正過度消費的習慣,

  • If you're in this zone and you don't make the necessary corrections, you may keep finding yourself out of cash.

    如果你已經是過度消費的一群,還不改變的話,某天你會發現自己怎麼又沒有錢了。

  • 5.

    第五名,

  • You're investing in stuff instead of yourself.

    你花太多錢在物質而不是自己上,

  • Julie Rains, personal finance writer and founder of Investing to Thrive, says that economic disadvantages play a big part in why some people are poor,

    個人財務作家兼 Investing to Thrive 公司創辦人 Julie Rains 說:「經濟劣勢是人們貧窮的其中一個主因,

  • but that's not the only thing holding people back.

    但是這不是唯一使人們受苦的理由,

  • Others might find themselves in crises because they have repeatedly underinvested in areas with long-term benefits, such as professional career and education, savings, and investments.

    其他人可能會覺得自己總是身陷財務危機,因為他們投入在長期投資上的資金根本不足,例如職業生涯、 教育、 儲蓄及投資上,

  • Yet they overinvest in other areas, such as luxury products and upscale housing.

    卻總是在其他地方過度消費,例如奢侈財及華麗的房子。」

  • 4.

    第四名,

  • You're ignoring those big debts. Avoiding bills creates bigger debt.

    因為你遺忘了那些債務,故意忽略只會使債務像滾雪球越滾越大,

  • It's obvious right?

    這很明顯,對吧?

  • It's easy to become anxious and continue to ignore the issue.

    如果債務不停的累積,這很容易使人焦慮然後選擇繼續忽略問題,

  • Failing to manage your debts only makes them worse, according to Robert Farrington, founder of The College Investor.

    The College investor 的創辦者 Robert Farrington 指出,不好好的處理你的債務只會使情況越來越糟,

  • “A lot of young adults are burdened by student loans and other debt, yet they don't realize there are a lot of options out there for them.

    「很多的年輕人被學費貸款或是其他債務壓得不能喘息,但他們卻沒有發現其實還有很多解決方法,

  • For example, for student loans, there are tons of programs that can help with lower payments and even forgiveness.

    例如,還有很多可以幫助學生將貸款折抵甚至全額免付的計畫,

  • But you have to take positive action and seek out these programs.”

    但是你必須積極行動去尋找這些計畫。」

  • 3.

    第三名,

  • "You feel powerless to fix things. When the debts are piling up and you are in the middle of financial hardship, it can make you feel powerless to do anything to change it.

    「你對解決難題感到無力,當你有財務困難時負債卻還正在慢慢增加,這讓你對於改變目前的困境感到無力,

  • But giving in to those feelings will only hurt you," said AJ Smith, vice president of content strategy and managing editor of SmartAsset.

    沈溺在無力的感覺中只會使事情越來越糟,」SmartAsset 的副營運長兼內容行銷總編 AJ Smith 說:

  • By getting accurate, unbiased knowledge and advice, people can feel empowered and confident in their personal finance decisions,” Smith said.“They can then take steps to make a better financial future.”

    「去取得一些精準、 公平的知識及建議,人們可以找回對於個人財務方向的掌握感及自信,接著他們可以著手為自己的財務開創更好的未來。」

  • 2.

    第二名,

  • You prioritize today's happiness over tomorrow's financial freedom.

    你總是把今日的享樂想得比未來的財務自由還重要,

  • According to Luke Landes, a speaker and personal finance writer at Consumerism Commentary, “People who should be in good financial shape may not be, often because the decisions they make aren't aligned with their future financial needs.

    根據 Luke LandesConsumerism Commentary 的講者及個人財務作家說:「人們常常無法有好的財務狀況的原因,常常是因為他們目前的決定總是與未來的財務需求不符合,

  • Making conscious decisions that require some thought about the future isn't that satisfying in the moment as choosing something that they perceive to have an immediate positive effect on happiness.”

    對他們來說,做出一個對未來有益的決定遠不如一個可以立即享受的選擇。」

  • So if you want to have a decent bank balance, it's time to look at the long term picture, not simply splash out and enjoy today.

    如果你想讓銀行餘額好看些,是時候為未來鋪路了,而不再只是每天揮霍。

  • And finally 1.

    最後是第一名,

  • There's nothing set aside for that rainy day. We've all heard the expression, 'save up for a rainy day' but how many of us have that something extra, tucked away in our bank account?

    因為你沒有準備額外資金,我們都知道「未雨綢繆」的意義,但是真正做到這一點,每天額外存一些資金在銀行帳戶的人又有多少呢?

  • Jeff Rose, founder of GoodFinancialCents.com, listed his top four biggest ways people hurt themselves financially.

    GoodFinancialCents.com 的創辦人 Jeff Rose 列出了人們四個常見的重大財務缺失:

  • They are 1.

    第一點是,

  • Not knowing how much debt they really have and how much interest they are paying.

    不知道自己還得欠多少債務以及利息。

  • 2.

    第二點,

  • Not having nearly enough cash savings in emergency funds.

    沒有為緊急狀況準備足夠的現金存款。

  • 3.

    第三點,

  • Not recognizing they need to save for retirement.

    不了解退休後存款的重要性。

  • And 4.

    以及第四點,

  • Being oblivious to what is going on with their credit history.

    對於自己的信用歷史毫無知覺。

  • Check how you stack up against these four principles.

    記得確認你違反了這四原則中的哪幾項。

  • Well, that's our top 10 tips on why your bank account might still have less in it than it should have.

    這就是為何你明明有經濟能力,銀行帳戶裡卻還是沒錢的十個原因。

  • But, we'd love to hear from you!

    我們樂意聽見你的想法!

  • Do you constantly feel poor even though you have a reasonable income?

    即使有份收入很好的工作,你還是一直覺得窮嗎?

  • Why do you think that is?

    為什麼會這樣想呢?

  • Let us know in the comments!

    在留言中讓我們知道吧!

  • Also, be sure to check out our other video called 'American Behaviors Considered Rude In Other Countries'!

    同時記得去看看我們另外一部影片,「美國人在外國人眼中粗魯的行為 」,

  • Thanks for watching, and, as always, don't forget to like, share, and subscribe.

    謝謝收看,記得按個喜歡,分享然後訂閱,

  • See you next time!

    我們下次見!

It seems that many Americans are not experts when it comes to managing their finances, and they often end up broke month after month.

似乎大部分的美國人對於理財都不太在行,他們通常每個月底就把所有錢花光了 。

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為什麼你這麼窮?(Why YOU Are Poor)

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    Evangeline 發佈於 2021 年 03 月 02 日
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