40% of Americans don’t have $400 in the bank for emergency expenses: Federal Reserve

美联储：40%的美国人拿不出400美元的应急资金

Almost 40% of American adults wouldn’t be able to cover a $400 emergency with cash, savings or a credit-card charge that they could quickly pay off, a Federal Reserve survey finds.

美国联邦储备委员会的一项调查发现，近40%的美国成年人拿不出400美元用来应急，无论是现金，还是存款，又或刷信用卡，都不足400美元。

About 27% of those surveyed would need to borrow the money or sell something to come up with the $400 and an additional 12% would not be able to cover it at all, according to the Federal Reserve's 2018 report on the economic well-being of U.S. households released on Thursday.

美国联邦储备委员会周四发布的2018年美国家庭经济状况报告显示，约27%的受访者需要借钱或变卖东西才能筹到400美元，另有12%的人根本拿不出。

美国雅虎读者的评论：

译文来源：三泰虎 http://www.santaihu.com/47710.html

外文：https://www.yahoo.com

Othehezdazyesterday

Why should I keep it in the bank at 0.003% interest? --- I'm losing money by it being stuck there!

利息才0.003%，为什么我要把钱存在银行呢? 存了等于亏钱!

GeeWizFolks!yesterday

Wages DO NOT KEEP UP WITH Cost Of Living, and haven’t done so for 20+ years.

工资不够生活开销，这种情况已经持续20多年了。

Pixxxyyesterday

I have a friend who earns $110,000 a year as a banker of all things and is always broke and borrowing money from me regularly (to be fair, he always pays me back).... meanwhile, my mother and father law together have never earned more than $50,000 TOGETHER in a year... and their savings and retirement accounts will just about take your breath away. It’s not what you earn, it’s what you keep.

我有一个朋友，他是银行高管，年薪11万美元。不过总是身无分文，经常向我借钱(当然他都会还的)……而我父母一年内存下来的钱从来没有超过5万美元…他们的储蓄和退休金多到会让你大吃一惊。重要的不是你赚了多少，而是你能存下多少。

Andriesyesterday

In my area, SF, where rent is higher than NY, the cost of average rent is$3,903.00, a Subway sandwhicg is 10 bucks, a gallon of gas is $4.09, bridge toll is 6.00, a movie theater ticket is 15.99 and if I take the commuter train and bus to work in Silicon Valley, it will cost 500.00 per month. How can the feds expect you to save with the highest cost of living. Plus, the State of California taxes and imposes fees on literally everything. We even have a soda tax.

我住在旧金山,租金高于纽约地区,平均租金是3903美元,地铁票价是10美元,汽油4.09美元一加仑,过桥费是6美元,电影票是15.99美元,如果我选择坐火车或巴士去硅谷上班,每月通勤费为500美元。生活成本这么高，哪还有钱存呢?

另外，加州对几乎所有东西都征税。我们甚至还有汽水税。

Peteryesterday

For some, the status symbol is the flashy car or the massive house.

对一些人来说，身份的象征是豪车和豪宅。

thedarkcloakphantomyesterday

I don't have $400 in the bank for normal expenses....let alone emergency expenses...sheesh....

我账户里连400美元都没有，不足应付日常开支，更不用说应急了……

Brettyesterday

a big part of this problem is that many people don't manage their finances well. I know many that don't and see it all the time. Eating out all the time, Starbucks twice a day, buying the latest and greatest of everything. Many people just can't live within their means and do not have a long term investing or savings strategy.

很多人不好好理财，经常在外面吃大餐，一天去两次星巴克，买最贵最好的东西。很多人无法做到量入为出，没有长期的投资或储蓄计划。

marekyesterday

Americans got $3000 refrigerators at home and nothing in it , spending money at restaurants instead making meals by them selfs.

美国人家里有3000美元的冰箱，但冰箱里什么也没有，他们宁愿花钱去下馆子，也不自己做饭。

Billyesterday

When I was born, America ranked #1 in quality of life. We have now fallen to #19, IMO thanks to the takeover of our economy by multi-national corporations who have devastated the American working class. Started back in the 1988's and has continued with occasional pauses to roll down hill.

我出生那会儿，美国的生活质量排名第一。在我看来，我们现在已经跌到了第19位，这要感谢跨国公司，他们葬送了美国工人阶级。从1988年开始，美国经济间歇性停止增长直到跌落谷底。

Patyesterday

Prices for necessities keeps rising but wages remain stagnant.

Has anyone looked at the price of everything from homes to food?

It's shocking how prices have increased in just the last 15 years.

物价越来越贵了，工资却不涨。

有没有人关注过从住房到食品等各种商品的价格？

仅仅过去的15年里，价格的上涨就令人震惊。

Slayeryesterday

If you can't afford to put away $20 every month in a savings account, you have serious issues.

如果你每月存不下20美元，那你的问题就严重了。

LIBERAL NUTCASEyesterday

29 and have about $50k in savings. It's called being smart with your money and making sacrifices. I changed a lot with my spending habits, made sacrifices regarding fun time, and social time with my friends. I paid off my car so that i would have an extra $500 a month in my bank account. I switched phone plans, was paying $73 a month, now i pay $20 a month with limited data. Now my goal is to tackle credit card debt.

29岁，存款大约5万美元。理性消费，有得必有失。我的消费习惯改变了很多，减少了娱乐和与社交开支。我把车贷还清了，这样我的银行账户上每月就多了500美元。我换了手机套餐，原来每月73美元，现在每月20美元，流量有限。现在我的目标是还清信用卡债务。

Samyesterday

I’m 28. And I have almost $15k in savings. The only way I was able to save this much was because I didn’t spend more than what I couldn’t afford.

我28岁，有近1.5万美元的存款。我能存这么多钱，要归功于量入为出。

Michaelyesterday

It’s not easy when rent is almost 2000$ a month. Something needs to be done about that. Rent was affordable means of living, not nearly as much as a house payment.

房租每月将近2000美元，生活不易。租房还算承担得起，分期买房就够呛了。

nicoleyesterday

broke my neck , had my husband drive me to the ER as to not have to pay for the dang Ambulance ... we pay $1500 a month for health insurance ... Ambulance is not covered

我的脖子扭到了，我让丈夫开车送我去急诊室，这样就不用付救护车钱了……我们每月买1500美元的健康保险，救护车的费用是不能报销的。

Steve Cyesterday

Simple fact for lower income workers wages barely change but rents and other basic expenses soar.

低收入工人的工资几乎没有变化，但租金和其它日常支出却在飙升。

jeff lyesterday

I've worked 2 jobs for 12 years even though I could easily support myself on only 1 job. I now have $ 120,000 cash in the bank.

我干两份工作，干了12年了，尽管我仅靠一份工作也能轻松养活自己。我现在银行里有12万美元存款。

Matthewyesterday

You can bet they've all got a $1000 phone in their pocket though.

这些人口袋里都有一部价值1000美元的手机。

Stephenyesterday

So things have actually gotten worse. Last year it was shown that half of working Americans had less than 800 dollars in savings.

情况变得更糟了。去年的调查显示，一半的美国工薪阶层存款不足800美元。

Oliviayesterday

Over 43 million Americans live in poverty including the working poor.

超过4300万美国人过着贫穷的生活，其中包括穷忙族。

ThePenIsMightierThanTheGunyesterday

Will get worse soon. Wait for it.

很快就会变得更糟，拭目以待。