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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?


  • 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.


  • 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.


  • 10.


  • 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.


  • 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.


  • 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.


  • You get ahead financially by making savings a priority.


  • 9.


  • You want that brand new car.


  • 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.


  • You don't set financial goals.


  • 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,


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


  • Writing these goals down is a good start.


  • 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.


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


  • 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.”


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


  • 7.


  • 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.


  • 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.


  • 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.


  • You treat yourself too often.


  • 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.


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


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


  • 5.


  • You're investing in stuff instead of yourself.


  • 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.


  • 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.


  • 4.


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


  • It's obvious right?


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


  • 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.


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


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


  • 3.


  • "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.


  • 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.


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


  • 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.”


  • 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.


  • And finally 1.


  • 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?


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


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


  • 2.


  • Not having nearly enough cash savings in emergency funds.


  • 3.


  • Not recognizing they need to save for retirement.


  • And 4.


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


  • Check how you stack up against these four principles.


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


  • But, we'd love to hear from you!


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


  • Why do you think that is?


  • Let us know in the comments!


  • 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.


  • See you next time!


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