奥巴马退休后的幸福生活

1月20日，唐纳德·特朗普将正式宣誓就任美国第45任总统，奥巴马时代也将自此正式谢幕。虽说奥巴马的个人资产比他的前任小布什相差甚远，但作为前美国总统，奥巴马卸任后依然会很富有。

根据华盛顿美国大学最近的一项研究显示，在奥巴马的“后白宫时代”，他可以轻松赚下2.42亿美元。现在就让我们看看奥巴马的个人资产是多少，以及他对退休后的生活有什么规划。

奥巴马的资产净值：1220万美元

当了八年总统，奥巴马平均每年能拿到40万美元的工资收入（特朗普表示这点钱可以忽略不计，没有也无所谓）。另外总统每年还有5万美元的报销额度、10万美元的免税旅行预算和1.9万美元的娱乐预算。

2016年4月15日，奥巴马公布了他2015年度的报税单。税单显示，他和第一夫人米歇尔的调整后毛收入为436,065美元。按18.7%的个税税率，他俩共缴纳个人所得税81,472美元。

奥巴马夫妇还向30多家慈善机构累计捐款64,066美元。

据CelebrityNetWorth.com报道，奥巴马个人的资产净值为1220万美元，第一夫人米歇尔也不惶多让，她的个人资产净值达到1180万美元。

奥巴马的财富年表

奥巴马的这些钱是怎样赚来的呢？《商界内幕》杂志（Business Insider）就此统计了一份年表。

• 2004年：奥巴马任伊利诺斯州参议员期间，收入薪水为80,287美元；从他任教的芝加哥法学院获得收入32,144美元。他还持有4只理财基金，每只价值在5万到10万美元不等。

• 2005年：在出席了2004年的民主党全国大会后，奥巴马与兰登书屋（Random House）签订了几本书的出版合同，通过《无畏的希望》一书获得了190万美元的预付款和版税收入。同年他还获得了另一本书的预付款847,000美元和版税收入378,000美元。另外他还买了一只Nuveen浮动利率收益基金，价值在5万到10万美元之间。此外他还拥有一笔价值在15万到35万美元的银行存款。

• 2006年：这一年奥巴马拿到了近15万美元的版税收入，和另一本书的42.5万美元的预付款。他还买了一笔价值约几万美元的上市资产，包括高盛集团和Vanguard等机构发行的基金。

• 2007年：从兰登书屋获得了330万美元的版税收入，并且从另一家名叫Dystel & Goderich Literary Management的出版公司获得了81.6万美元的版税收入。他还买了一只北方市政货币市场基金，价值在100万到500万美元之间，此外还买了50万到100万美元的美国国债。为了让两个女儿上大学，奥巴马还投资了两个“529储蓄计划”，各花费了20万美元。

• 2008年：这一年奥巴马就任美国总统，此时他已经持有100万到510万美元的美国国债。

• 2009年：奥巴马获得诺贝尔和平奖，并收入奖金140万美元。他将这笔钱捐给了多家慈善机构。

• 2009-2015年：平均每年获得年薪40万美元，并继续获得写书的版税收入，期间还继续对投资保持兴趣。

奥巴马的退休生活

据《时代》杂志报道，奥巴马从“世界上最艰难的工作”上退下来之后，第一件打算做的事情就是“睡上两个礼拜”。

另据《今日美国》报道，等这两周睡完之后，奥巴马很可能会回归他社会活动家的身份，继续为他在总统任期内的未竞事业奔走呼号，比如控枪、移民、核不扩散、种族关系和刑事司法改革等等。

根据美国1958年的《卸任总统法案》的规定，奥巴马终生都能从美国政府领到一份薪水。目前这笔钱大约是每年205,700美元。作为前总统，奥巴马能终生享受的其他福利还包括医疗保险、特勤局特工的全天候安全警卫等等。

对前总统的特勤安保成本至今还没有公开过。除此之外，奥巴马还能拿到租用办公室、雇佣秘书人员的相关费用。2015年，小布什的这笔钱就达到了110万美元。

很多卸任总统都成立了自己的基金会，或是四处走穴、演讲、写书，干着收入丰厚的第二职业。虽然关于奥巴马的演讲出场费还没有确切的数据能够证实，不过从小布什的例子来看，卸任总统每次演讲的出场费应该都在10万到17.5万美元之间。

所以说，只要你有钱，请一两位前总统来装门面也不是什么难事。据CNN报道，在克林顿卸任后的15年左右的时间里，克林顿夫妇平均演讲一次的出场费是210,795美元。算起来，这两人总共参加了729次演讲活动，光出场费就拿了1.53亿美元。

美国大学的研究认为，奥巴马卸任后，按照平均每年50次演讲的频率，“保守估计，每次演讲拿20万美元，有生之年就能挣将近2亿美元。”

另外，奥巴马早已是一位成功的畅销书作家了。据《纽约时报》报道，有专家估计，光是他的回忆录就能卖出大概3000万美元，而米歇尔的回忆录卖个1000万估计也不成问题。

不过不管怎样，奥巴马都将成为退休后第一位留在华盛顿生活的前总统，这主要是为了让他的小女儿萨莎在华盛顿读完高中。

奥巴马一家在华盛顿的新居位于华府的“富人区”克罗拉马区，特朗普的大女儿伊万卡也在这里拥有一套房子。奥巴马一家已经在这租了一幢始建于1928年、面积达8200平方英尺、拥有9间卧室的大房子。这套毫宅2014年以530万美元的价格成交，估计今天已经升值到了630万美元。

所以说，奥巴马即便退下来了，生活还是过得很富足的。虽然他的接班人是位更有钱的大土豪，但奥巴马夫妇仍然将在华府保持较高的曝光率和影响力。（财富中文网）

译者：朴成奎

On Jan. 20, Donald Trump will be sworn in as the 45th president of the United States and the Barack Obama era will officially come to an end. While his net worth is nowhere near that of his successor, Mr. Obama will leave office a very rich man.

Based on a recent study by American University in Washington, D.C., the Obamas could stand to make as much as $242 million once leaving the White House. Here is a look at President Barack Obama as he turns over the presidency, his net worth and plans for the future.

President Barack Obama Net Worth: $12.2 Million

For his day job as president, Barack Obama earned $400,000 a year throughout his entire eight-year term — a salary that incoming president Trump has vowed to forgo. The president also receives a $50,000 annual expense account, a $100,000 nontaxable travel account and a $19,000 entertainment budget.

On April 15, 2016, President Obama released his 2015 tax returns, which showed that he and First Lady Michelle Obama filed jointly and reported an adjusted gross income of $436,065. They paid $81,472 in taxes according to their 18.7 percent tax rate.

They also donated a total of $64,066 to more than 30 charities.

According to CelebrityNetWorth.com, Mr. Obama has a net worth of $12.2 million and First Lady Michelle Obama is not far behind with a net worth of $11.8 million.

A Timeline of Barack Obama’s Wealth

How exactly did Obama grow his fortune? Here’s a timeline of his earnings over the years, as Chronicled by Business Insider:

• 2004: He earned a salary of $80,287 from the Illinois State Senate and $32,144 from the University of Chicago Law School, where he taught. The president also had assets in four financial funds worth between $50,000 and $100,000 each.

• 2005: Obama signed a multi-book deal with Random House and received a $1.9 million advance for “The Audacity of Hope,” plus royalties, following his appearance at the 2004 Democratic National Convention. Also that year he earned just over $847,000 off another book advance, plus $378,000 off additional book royalties. Meanwhile, his investments grew with the addition of a Nuveen Floating Rate Income Fund valued between $50,000 and $100,000. He also reported deposit accounts valued between $150,000 and $350,000.

• 2006: Obama reported book royalties of just under $150,000, plus $425,000 off an additional book advance. He also acquired publicly-traded assets worth tens of thousands, including funds with Goldman Sachs and Vanguard.

• 2007: Obama earned $3.3 million off book royalties from Random House and $816,000 from Dystel & Goderich Literary Management. He acquired a Northern Municipal Money Market Fund valued between $1 million and $5 million, in addition to U.S. Treasury notes valued between $500,000 and $1 million. For his daughters, he invested in two 529 college savings plans valued around $200,000 each.

• 2008: When Obama was sworn in as president, he owned somewhere between $1 million and $5.1 million in U.S. Treasury bills.

• 2009: Obama won the Nobel Peace Prize, which came with a $1.4 million award. He donated it to an assortment of charities.

• 2009-2015: Obama earned $400,000 a year as president and continued to earn book royalties, as well as interest on his investments.

Barack Obama: Life Beyond the Presidency

According to Time, the first thing Barack Obama plans to do after leaving the hardest job in the world is to “sleep for two weeks.”

The president is likely to return to his community activist roots — following his slumber, of course, according to USA Today. That will likely include work on issues that were important to him during his presidency, such as gun control, immigration, nuclear nonproliferation, race relations and criminal justice reform.

According to the 1958 Former Presidents Act, Obama will receive the salary of a Cabinet secretary for the rest of his life. Currently, that’s $205,700 a year. Among the other perks are health insurance and round-the-clock Secret Service protection until his death.

The costs of Secret Service protection are not made public, but Obama will also receive funds for an office, staff and related expenses, which George W. Bush took advantage of to the tune of $1.1 million in 2015.

Many presidents establish foundations and enjoy lucrative second careers as in-demand speakers and authors. Although there is no hard data on Obama’s previous speaking fees, past presidents such as George W. Bush have earned between $100,000 and $175,000 per engagement after they left the White House.

First off, money talks. According to CNN, former President Bill Clinton and his wife Hillary earned an average of $210,795 per speech in the 15 or so years since he left office. That totals approximately $153 million for 729 paid speaking engagements.

American University estimates that the Obamas could make as many as 50 speeches a year once he is out of office, earning “a conservative $200,000 apiece and you’re already close to $200 million before taxes,” the study found.

Mr. Obama has already proven to be an accomplished and popular author. Following the presidency, experts predict that he could earn about $30 million for his memoir, while Michelle Obama could garner an estimated $10 million for hers, according to the New York Times.

Either way, Obama will be the first president in nearly 100 years to remain in Washington, D.C., after leaving office. He and the family will remain in town so his youngest daughter, Sasha, can finish high school.

Their new Washington digs are located in the capitol’s posh Kalorama neighborhood, where first daughter Ivanka Trump also owns a home. The Obamas have leased an 8,200-square-foot, nine-bedroom mansion that was built in 1928. The spacious home last sold for $5.3 million in 2014 and is estimated to be worth $6.3 million today.

Barack Obama will leave office a very rich man. He and the first lady are likely to remain a visible Washington power couple after an even wealthier power broker takes his place in the Oval Office.