More than a third of summer vacationers, 36%, are willing to take on debt this summer for their travels.

超過三分之一的暑期度假者（36%）願意在今年夏天舉債旅行。

The reason that's worrisome is because the average credit card charge is over 20%, which is close to a record high.

之所以令人擔憂，是因為信用卡的平均費用超過了 20%，接近歷史新高。

I don't want to tell people they can't have any fun, but this represents a lot of people taking on expensive debt.

我不想告訴人們他們不能有任何樂趣，但這代表著很多人背上了昂貴的債務。

And this is the kind of thing that can linger.

這種事情可能會揮之不去。

Globally, 72% of Millennials and 65% of Gen Z's said they plan on spending more on leisure travel in 2024 compared to 2023.

在全球範圍內，72% 的千禧一代和 65% 的 Z 世代表示，與 2023 年相比，他們計劃在 2024 年增加休閒旅遊支出。

In the U.S., 47% of Millennials and 42% of Gen Z's said they plan to take on debt to go on summer vacation.

在美國，47% 的千禧一代和 42% 的 Z 世代表示，他們計劃舉債度暑假。

There are so many compelling reasons why people choose to take on debt to have these vacations.

人們選擇舉債度假有很多令人信服的理由。

If your kids are dreaming of going to Disney World and there's no way the family could ever really swing it without going into debt, it could be a memory the family will have forever.

如果您的孩子夢想著去迪斯尼世界，而您的家庭又無法在不舉債的情況下真正實現這一夢想，那麼這將成為他們永遠的回憶。

Parents often can rationalize spending in these terms for their children.

父母往往可以用這些術語為孩子合理安排消費。

Here's how Americans are paying for their summer vacations.

以下是美國人如何支付他們的暑假費用。

Credit cards are the most common way people pay for their vacations. 62% of Americans surveyed said they put at least some of their trip on a credit card.

信用卡是人們支付度假費用的最常見方式。62% 的受訪美國人表示，他們至少將部分旅行費用記在信用卡上。

Financial experts say that this can be a risky move if the borrower cannot pay the balance in time to not be charged interest.

金融專家說，如果借款人不能及時償還餘額而不被收取利息，這可能是一個冒險的舉動。

The average credit card balance is already over $6,000, according to TransUnion.

根據環球銀行的數據，信用卡平均餘額已超過 6,000 美元。

If you add $1,000 in vacation expenses to that, maybe it feels like a drop in the bucket.

如果再加上 1,000 美元的度假費用，也許會覺得杯水車薪。

But it just makes it that much harder.

但這隻會讓事情變得更難。

That's $6,200.

這是 6,200 美元。

If you make minimum payments at the average interest rate of 20.7 percent, you're going to be in debt for 18 years and you're going to pay more than $9,000 in interest.

如果你以 20.7% 的平均利率支付最低還款額，你將負債 18 年，並支付超過 9,000 美元的利息。

So some of this is making a bad situation worse.

是以，有些情況下，情況變得更糟了。

The debt feels like this tradeoff for a lot of people.

對很多人來說，債務就像是一種權衡。

It's ultimately the interchange between money for these lifelong memories and seminal experiences.

這些終生難忘的記憶和開創性的經歷，歸根結底是金錢之間的交換。

And that's a sacrifice many are not only willing to make, but feel so strongly in doing so, especially when debt is a weight many people are already accustomed to carrying.

許多人不僅願意做出這樣的犧牲，而且對此深有感觸，尤其是當債務已經成為許多人習以為常的負擔時。

Consumers are still out there using their credit cards.

消費者仍在使用信用卡。

Their credit card balances are over a trillion dollars now.

現在，他們的信用卡餘額已超過一萬億美元。

We're seeing actual delinquencies on credit now rising.

我們看到實際的信貸拖欠率正在上升。

People are dipping into their savings.

人們開始動用儲蓄。

But bottom line is that they're still spending.

但最重要的是，他們仍然在花錢。

Not all credit card users are paying interest. 43 percent of Americans said they use their credit cards to pay for their trips, but paid it off in full to avoid interest.

並非所有信用卡用戶都在支付利息。43% 的美國人說，他們用信用卡支付旅行費用，但為了避免利息而全額付清。

This also comes with the perk of accumulating rewards points.

這也是積累積分的好處。

Use those rewards points in miles.

將積分兌換成里程。

Put those to use.

把它們用起來

But it doesn't make sense to pay 20 percent interest just to get two or three or four percent cash back or airline miles.

但是，為了獲得 2% 或 3% 或 4% 的現金返還或航空里程而支付 20% 的利息是不合理的。

In order to avoid interest, while still having more time to pay off the credit card balance, some vacationers choose to open a new credit card that provides them with zero percent interest for a set period of time.

為了避免利息，同時又有更多的時間來償還信用卡餘額，一些度假者會選擇新開一張信用卡，在一定期限內享受零利率。

The risk here is that once the term expires, the rate goes way up.

這樣做的風險在於，一旦期限到期，利率就會大幅上升。

Another option vacationers are considering is taking out a loan for their trip.

度假者考慮的另一個辦法是為旅行貸款。

Five percent of vacationers plan to take out a personal loan from a financial institution, which typically carries a lower interest rate than credit cards.

5%的度假者計劃向金融機構申請個人貸款，這種貸款的利率通常低於信用卡。

The average interest rate of a personal loan in June 2024 was about 12 percent.

2024 年 6 月的個人貸款平均利率約為 12%。

Six percent of those surveyed said they plan to borrow from friends or family.

6%的受訪者表示，他們計劃向朋友或家人借錢。

I think both of those represent a slippery slope.

我認為這兩者都是一種滑坡。

Personal loan rates have gone up a lot.

個人貸款利率上升了很多。

That debt equals irresponsible is so pejorative and such a simplistic way of looking at this, that there's all different reasons and rationales why we might intentionally go into debt.

債務等同於不負責任是一種貶義詞，也是一種簡單化的看法。

People don't think taking out a mortgage for a home and making this a lifelong investment is irresponsible, but it can be a really bad investment in a lot of cases.

人們並不認為貸款買房並將其作為終身投資是不負責任的行為，但在很多情況下，這可能是一項非常糟糕的投資。

So you have to consider where is it important for you to invest your money?

是以，您必須考慮在哪裡投資對您來說最重要？

And maybe it is this trip with these lifelong memories with your family that you'll never get back.

也許正是這次旅行給你和家人留下了終生難忘的回憶，而你卻再也回不去了。

Another option is loaning money to yourself out of a 401k account.

另一種方法是從 401k 賬戶中貸款給自己。

A loan is different from a 401k withdrawal.

貸款不同於 401k 提取。

Withdrawals have different rules and tax implications.

提款有不同的規則和稅收影響。

Loans are not permitted from IRA or IRA based plans.

不允許從 IRA 或基於 IRA 的計劃中貸款。

The reason someone may go this route is instead of paying interest to a financial institution, they would pay themselves back over time with interest.

之所以有人會選擇這種方式，是因為他們不用向金融機構支付利息，而是隨著時間的推移用利息償還自己。

That payment will go back into their retirement account and eventually accumulate compound interest.

這筆錢將回到他們的退休賬戶，並最終積累複利。

Borrowing from your retirement plan definitely worries me because really the biggest predictor of future returns is time in the market.

從退休計劃中借款肯定會讓我擔心，因為真正能預測未來收益的最大因素是在市場中的時間。

So even though we don't know what stocks are going to do this week or this month or this year, over the long haul, they've been massive wealth builders.

是以，儘管我們不知道本週、本月或今年的股票走勢如何，但從長遠來看，股票一直是巨大的財富積累工具。

So I feel like that would be more of a last resort if there's kind of an emergency.

所以我覺得，如果情況緊急，這將是最後的手段。

Going on vacation is not an emergency.

度假不是緊急情況。

It is interesting how while you could say on one hand that it's worrisome that credit card balances are near record highs and the personal saving rate is near a record low, this is powering a lot of economic growth.

有趣的是，一方面，你可以說信用卡餘額接近歷史最高點和個人儲蓄率接近歷史最低點令人擔憂，但另一方面，這卻推動了大量經濟增長。

But what's good for the economy is not always good for your household finances.

但是，對經濟有利的事情並不一定對您的家庭財務有利。

Consumer spending makes up nearly 70 percent of U.S.

消費支出佔美國總支出的近 70%。

GDP, which means a rise in consumer spending can spur economic growth.

這意味著消費支出的增加可以刺激經濟增長。

But a rising consumer debt can lead to a hard pullback in spending, which can cause what's called deflation.

但是，消費債務的增加會導致消費的大幅回落，從而引發所謂的通貨緊縮。

Deflation is just generally associated with not just recessions, but deep recessions in the economy.

通貨緊縮一般不僅與經濟衰退有關，而且與經濟深度衰退有關。

A recession occurs when there's, quote, a significant decline in economic activity that is spread across the economy and lasts more than a few months.

經濟衰退是指經濟活動大幅減少，並波及整個經濟體，持續時間超過數月。

Historically speaking, deflation means that prices are actually coming down.

從歷史上看，通貨緊縮意味著價格實際上在下降。

And the reason why prices are coming down is because people aren't spending money.

價格下降的原因是人們不花錢。

The reason why people are spending money is because they don't have jobs and they can't afford to go out and take a trip to Hawaii or go out and buy a new Lexus or do those kind of things.

人們之所以花錢，是因為他們沒有工作，沒有錢去夏威夷旅遊，沒有錢去買一輛新的凌志車，也沒有錢做這些事情。

They're just kind of trying to tread water and they're not even doing that.

他們只是想勉強度日，卻根本沒有做到這一點。

So therefore, prices are going to have to keep coming down.

是以，價格必須繼續下降。

It's important to remember that there's not just one consumer story.

重要的是要記住，消費者的故事並不只有一個。

You have the same consumer that might be out there spending on travel, going to events, you know, whether it's concerts or sporting events, which we are seeing very, very clearly and that's driving some of these travel trends.

我們非常清楚地看到，同樣的消費者可能會去旅遊、參加活動，無論是音樂會還是體育賽事，這些都是旅遊趨勢的驅動力。

And they're doing it in a way that's really strategic.

他們這樣做是非常有戰略眼光的。

At the same time, that same strategic consumer might be walking into a store and really thinking carefully about how they're spending, looking for the best promotion, the best discount.

與此同時，那些具有戰略眼光的消費者可能會走進商店，仔細考慮他們的消費方式，尋找最好的促銷和折扣。

So it's not one story for the consumer.

是以，對消費者來說，這不是一個故事。

And I think that's really important because it creates a lot of complications in the narrative because you have consumers looking for discounts, you have consumers looking for promotions, and you have consumers that want to make their dollars work the best they can in the way that works for them.

我認為這一點非常重要，因為這將會造成很多複雜的情況，因為有消費者在尋求折扣，有消費者在尋求促銷，還有消費者希望以最適合自己的方式讓自己的錢發揮最大的作用。

Financial experts say the key to affording a vacation is to plan ahead.

財務專家說，負擔得起假期的關鍵在於提前計劃。

Advisors say the first step is figuring out what you want to spend and to set a budget for the trip.

顧問們說，第一步是弄清楚您想花多少錢，併為旅行制定預算。

This is our allowance for food and this is our allowance for trips or activities.

這是我們的伙食補貼，這是我們的旅行或活動補貼。

So you can kind of make sure your behavior is consistent with your values.

是以，你可以確保自己的行為與價值觀保持一致。

Because money on trips can feel like monopoly money.

因為旅行中的錢感覺就像大富翁的錢。

I had a client I worked with who decided they were going to stay in an Airbnb and they were going to cook all of their food.

我有一個合作過的客戶，他們決定住在 Airbnb 上，所有的食物都由他們自己做。

So they were going to save on food and they were going to splurge on this boat trip they were really excited about.

是以，他們打算節省伙食費，在這次他們非常興奮的乘船旅行中大肆揮霍。

And it felt like a compromise.

我覺得這是一種妥協。

The next step after establishing a budget would be making a plan to save.

制定預算後的下一步就是制定儲蓄計劃。

You can start small and daily.

您可以從日常小事做起。

Maybe you're going to set aside a little bit of money each day or each paycheck to this dream vacation.

也許你打算每天或每次發工資時都留出一點錢，用於這個夢想的假期。

And it can be helpful to have kind of a calculation set up.

設置一個計算方法會很有幫助。

On top of setting aside the money, you can also find small ways to save on costs to make the most of your trip.

除了預留資金外，您還可以尋找節省費用的小方法，以充分利用您的旅行。

There are plenty of ways to save.

節約的方法有很多。

You can have fun on a budget.

有預算就有樂趣

You can use your frequent flyer miles or credit card points.

您可以使用飛行常客里程或信用卡積分。

You could be open minded about when and where you go.

你可以在時間和地點上保持開放的心態。

Kind of zig when others zag.

在別人 "扎 "的時候，我也 "扎"。

Maybe travel in the off season or the shoulder season or drive instead of fly or travel midweek instead of on the weekend.

也許可以在淡季或旺季出行，或者開車而不是坐飛機，或者在週中而不是週末出行。

If you can let the deal dictate the destination, that can really help you out.

如果能讓交易決定目的地，那就能真正幫到你。

Flexibility is key.

靈活性是關鍵。

There's times when you just have to be realistic.

有些時候，你必須現實一點。

If you financially can't swing a vacation, can you get creative?

如果您的經濟條件無法滿足度假的需要，您能不能發揮創意？

Can you find a way to take a break from your life or mimic a vacation without the big expense?

您能否找到一種方法，讓自己從生活中解脫出來，或者模仿度假的方式，而不需要大筆開支？

Maybe even do a staycation.

或許還可以來個 "宅度假"。

I think that's an underrated option.

我認為這是一個被低估的選擇。

This idea of playing tourist in your local area.

這種在當地扮演遊客的想法。

So there's a way to have fun without busting the budget.

是以，有一種方法既能玩得開心，又不會超出預算。

Nearly half of Americans said they plan to skip their summer vacation, with 65 percent of them saying affordability was the main issue.

近一半的美國人表示，他們計劃放棄暑假，其中 65% 的人表示，經濟承受能力是主要問題。

I kind of worry about both of those extremes.

我有點擔心這兩個極端。

You know, you have the people that are paying 20 or 25 or 30 percent extra to go on vacation, which is not great.

你知道，有些人要多付 20% 或 25% 或 30% 的錢去度假，這並不好。

But then you also have a lot of people skipping the trip entirely, which may be regrettable later on.

但這樣一來，也會有很多人完全不去旅行，日後可能會後悔。

There's a ratio between the money being spent and the amount of time of your trip.

花費的錢和旅行的時間是成正比的。

And only you can decide if that experience, the memories of the five-day vacation, is valuable enough to commit to having to worry about hanging off for months in the future.

只有你自己才能決定，這種經歷，這種五天假期的回憶，是否有足夠的價值，讓你承諾在未來的幾個月裡不必再為掛念而擔心。