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  • When I was born, the median price for a house was $108,900.

    我出生的時候,房地產中階價落在 108900 元美金,

  • Now, it's $337,200.

    現在則要價 337200 美元。

  • Even if you account for inflation, that's about a 45% increase in cost.

    即使把通貨膨脹納入考量,房產花費還是增加了 45% 。

  • But buying a house is something I would like to do.

    儘管如此,買房地產的確是我想達成的目標。

  • So I'm trying to figure out if I can.

    所以我想看看我做不做得到。

  • The odds are pretty stacked against me.

    機會對我真的不太有利,

  • I'm a millennial, and I graduated college in 2010, right in the middle of the recession.

    我屬於千禧世代, 2010 年大學畢業,當時正值經濟衰退期。

  • When I entered the workforce, the job market was rough.

    我踏入職場時,整個就業市場一片慘澹。

  • Like many of my peers, I have student loan debt.

    我和多數同儕都背負著學貸,

  • And on top of that, there aren't very many starter or mid-price homes on the market.

    更何況房產市場上很少看到初階或中階價格的購屋選擇。

  • (Why it's hard for millennials to buy houses)

    (為什麼千禧世代買房這麼難)

  • My personal financial situation has to do with choices I made.

    我的個人財務狀況和我做的選擇很有關係。

  • I changed careers at 27, I took out loans to go back to grad school, and I didn't manage to save any money before that.

    27 歲時我改變了我的職涯方向,我申請貸款以回去念研究所,且在那之前我根本沒辦法存任何錢。

  • But that's not abnormal for someone my age.

    可是在同年齡層裡,這情況並不罕見。

  • According to a LinkedIn study, it's common for millennials to change jobs about three times in the first five years after college.

    LinkedIn 的調查顯示,對千禧世代來說,更換工作跑道是很普遍的,大學畢業後的五年內,我們平均會換三次工作。

  • And in the eight years I've been out of college, I've lived in New York City the whole time.

    大學畢業以來的八年,我一直住在紐約市。

  • Median cost of a home here? $770,000.

    這裡的房地產中階價位是多少呢?77 萬美金。

  • I certainly can't afford that.

    我絕對買不起。

  • When I look at my income, cost of living and student loan debt, the idea of buying something as expensive as a house seems nearly impossible.

    當我考慮我的薪水、生活費還有學貸,購買那麼昂貴的房子根本是異想天開。

  • My dream home would look something like this.

    我夢想中的房子看起來大概是這樣,

  • Or this.

    或這樣。

  • But even if my boyfriend and I took our combined income of $100,000 a year, that apartment is a pipe dream.

    但就算我和男友一起拿出我們的薪水,一年十萬美金,這樣一間公寓仍不過是白日夢罷了。

  • I went to Business Insider's own financial planner, Lauren Lyons Cole.

    我找上 Business Insider 的財務規劃師 Lauren Lyons Cole,

  • I figured if anyone could help me, it would be her.

    她大概是唯一能幫得上忙的人。

  • When you're just starting out, you can calculate a general price range by taking your annual income and multiplying it by three.

    要著手開始這類計算,你可以把年薪乘以三,來得到一個大致的價格範圍。

  • With a combined income of about $100,000 a year, that means a home that costs around $300,000 would be a good starting point.

    若妳和男友的薪水加總起來一年有十萬美金,那就表示一幢約 30 萬美金的房子,會是個很好的起始點。

  • That's not as bad as I was expecting, but I have no idea what I can get for that price.

    沒有我想像中的糟糕,但我不知道 30 萬美金可以買到什麼好房子。

  • With a budget like that in New York City, you probably aren't gonna find that many options.

    以妳的預算,想在紐約市置產,妳大概不會有太多選項。

  • So you might have to make sacrifices, which could even mean relocating to another city.

    所以妳可能得做出某些妥協,甚至考慮搬到另一個城市。

  • But then you have to figure out what kind of job options are there, and how much could you get paid to do the work you want to do.

    但這樣一來妳就必須考慮那座城市裡的工作機會,還有妳想要的那份工作薪水大概是多少。

  • You have to think about which amenities you really want and which ones you can do without.

    妳必須想想哪些生活周邊設施是必要的,哪些則是可有可無。

  • I've always wanted some kind of outdoor space, like maybe a balcony.

    我一直很想擁有戶外空間,像是一個露天陽台,

  • A two-bedroom would be nice...

    有兩間寢室會更好,

  • big windows...

    大大的窗戶......

  • maybe a turret.

    或許再加個塔樓。

  • What?

    不行嗎?

  • I'm a millennial.

    我可是千禧世代耶,

  • I'm idealistic.

    我很理想主義的。

  • Once you have an idea of what you can afford and what you're willing to give up,

    當妳決定好什麼是妳能負擔的、什麼又是妳願意讓步的,

  • you can take the next step and start looking at listings that are available in your price range.

    妳就可以開始下一步:列出清單,思考在預算範圍內有哪些可行的選項。

  • With the budget Lauren and I came up with, I browsed options in a few cities I could see myself living in.

    以我和 Lauren 一起訂下的預算,我開始瀏覽在一些我會喜歡的城市裡的房產選項,

  • I wasn't amazed with anything I came across, but there were some that were nice.

    我並沒有看到什麼讓人驚豔的東西,但有些看起來的確還不錯。

  • Not so much in New York, especially when I compare it to the apartment I live in now, which is below market rent.

    可是並沒有紐約的那麼好,尤其當我拿現在住的公寓比較,它比市面上的租金還低 。

  • I also checked out Grand Rapids, Michigan because it was number one on Business Insider's list of best housing markets for millennials.

    我也看過了密西根州的大急流城,因為它是 Business Insider「千禧世代最佳房產市場」榜上的冠軍。

  • There I did find some amazing places within my budget, but I can't see myself picking up and moving there right now.

    在那裏我真的找到一些在預算內、又令人驚豔的住處,但我覺得現在還不是時候立刻打包搬過去。

  • For me, owning a place isn't worth living somewhere where I don't know anyone and I don't have a job lined up.

    對我而言,擁有自己的住處並不值得我搬去住在一個我不認識任何人,且不見得有工作機會的地方。

  • So I think for now I'm gonna keep renting and try to save up for a down payment.

    所以此時此刻我想繼續租屋,同時試著存到房子的頭期款。

  • Maybe in a few years the price of avocado toast will go down, and I'll be able to afford that dream castle.

    也許在幾年內,酪梨吐司會降價,然後我就能負擔得起夢幻城堡。

  • Maybe a balcony...

    也許來個露天陽台,

  • a two-bedroom would be nice...

    有兩間寢室就太好了,

  • big windows...

    大大的窗戶……

  • maybe a turret.

    也許再加個塔樓。

When I was born, the median price for a house was $108,900.

我出生的時候,房地產中階價落在 108900 元美金,

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A2 初級 中文 美國腔 世代 美金 房產 薪水 陽台 預算

有夢最美?為什麼千禧世代買房這麼難? (Why It's So Hard For Millennials To Buy Homes)

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    Judy Huang 發佈於 2021 年 02 月 14 日
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