美国人中青年面临沉重财务压力，后悔没有攒钱
这不仅仅是时不时犒劳自己一下。当年轻人反思自己的消费决策时，往往充满了遗憾。这一切所带来的压力确实让他们不堪重负。
根据Bankrate最近对近3,700名成年人进行的一项调查，近四分之三的美国人在财务方面存在某种遗憾。在心怀遗憾的Z世代和千禧一代中，分别有60%和57%的人表示，今年的压力比去年更大，而X世代和婴儿潮一代的这一比例分别为45%和38%。
千禧一代和Z世代在财务方面最后悔的事情是：没有积攒足够多的储蓄以备不时之需（这一比例分别为21%和17%）。不足为奇的是：他们中的大多数人认为，如果今天失业，他们将无法支付一个月的开销。
纽约人寿保险公司（New York Life）财务健康主管苏珊娜·施密特（Suzanne Schmitt）在接受《财富》杂志采访时表示，在财务目标方面，尽管一直以来所有年龄段的美国人都将建立应急资金放在高度优先的地位，但年轻员工比年长员工更难实现这一目标。由于婴儿潮一代积累财富的时间较长，他们的应急储蓄账户明显比千禧一代和Z世代的要充裕得多。通常而言，千禧一代的节俭程度不亚于他们的祖辈，但由于经历了两次经济衰退、一场疫情、残酷的房地产市场和历史性的学生贷款债务危机，他们在成年期一直在努力积累财富。超过30%的Z世代（面临着同样的经济挑战）根本没有应急储蓄。
建立应急资金的需求与日俱增。多项研究发现，自疫情爆发以来，超过半数的美国人表示，如今建立应急基金比以往任何时候都更加重要，他们现在负担不起1000美元的紧急支出。
不过，这并不是千禧一代和Z世代在财务方面的唯一遗憾。对于这两个年龄段的人来说，“背负太多的信用卡债务”是他们的第二大遗憾，其次是千禧一代“没有足够早地为退休储蓄”，以及Z世代“背负太多学生贷款债务”。
每个人都更关心自己的储蓄，而不是债务
Bankrate的首席金融分析师格雷格·麦克布莱德（Greg McBride）在报告中写道，尽管债务和利率不断攀升，但与债务相关的遗憾相比，储蓄相关的遗憾更大。比起多还抵押贷款、教育相关贷款或信用卡，未能积攒足够多的储蓄更让美国人痛心疾首。
总体而言，在接受调查的成年人中，大量对财务状况感到遗憾的人表示，他们最大的遗憾是在职业生涯早期忽视了退休储蓄（21%），其次是背负了太多的信用卡债务（15%），以及没有为紧急支出积攒足够多的储蓄 (14%)。婴儿潮一代和X世代比年轻一代更有可能后悔没有为退休积攒足够多的储蓄，考虑到他们目前处于或即将进入退休阶段，这也是合乎情理的。
但考虑到婴儿潮一代享受到更强劲的经济带来的红利，即使是他们也觉得自己的退休储蓄不够，那么，这对年轻一代来说可能是个糟糕的信号，因为他们通往财务独立的道路要艰难得多。(近80%的年轻员工仍然依赖婴儿潮一代的父母赚钱。）
专家称，攒100万美元退休已经不够了，美国人对这一点深有体会。贝莱德（BlackRock）的一份报告显示，自2021年以来，对自己能否在退休后安享晚年没有信心的员工比例增加了一倍多（从10%增至24%）。Z世代最不自信。
理财规划师查理·帕斯特（Charlie Pastor）对《财富》杂志的艾丽西亚·亚当奇克（Alicia Adamczyk）表示：“随着Z世代步入青年期，新冠疫情的爆发严重影响了经济。老一辈人应该明白，下一代储蓄者在短时间内经历了很多经济动荡。”考虑到创纪录的利率、成千上万的员工被解雇，以及拥有房产或摆脱学生贷款债务的可能性越来越小，上述说法可能是轻描淡写。然而，正如Bankrate所发现的那样，错失良机的遗憾仍然挥之不去。
麦克布莱德解释说：“随着时间的推移，复利有可能让先前没有积攒储蓄的人更为痛心疾首，因为'本来有机会'实现的财务目标与现实形成鲜明的对比。以保守的6.5%的年回报率计算，你在20多岁时存的每一美元，到退休时就会变成17美元。”他补充说，换句话说，你在20多岁时没有投资的每一美元，“都变成在退休后无法拿到的17美元。”
但是，尽管年轻员工的积蓄较少，他们仍在努力打下坚实的基础。在2021年，Z世代员工比处于同年龄段的老一辈员工更有可能投资于公司的退休金计划。这表明 Z 世代比他们自认为的更有远见。（财富中文网）
译者：中慧言-王芳
这不仅仅是时不时犒劳自己一下。当年轻人反思自己的消费决策时，往往充满了遗憾。这一切所带来的压力确实让他们不堪重负。
根据Bankrate最近对近3,700名成年人进行的一项调查，近四分之三的美国人在财务方面存在某种遗憾。在心怀遗憾的Z世代和千禧一代中，分别有60%和57%的人表示，今年的压力比去年更大，而X世代和婴儿潮一代的这一比例分别为45%和38%。
千禧一代和Z世代在财务方面最后悔的事情是：没有积攒足够多的储蓄以备不时之需（这一比例分别为21%和17%）。不足为奇的是：他们中的大多数人认为，如果今天失业，他们将无法支付一个月的开销。
纽约人寿保险公司（New York Life）财务健康主管苏珊娜·施密特（Suzanne Schmitt）在接受《财富》杂志采访时表示，在财务目标方面，尽管一直以来所有年龄段的美国人都将建立应急资金放在高度优先的地位，但年轻员工比年长员工更难实现这一目标。由于婴儿潮一代积累财富的时间较长，他们的应急储蓄账户明显比千禧一代和Z世代的要充裕得多。通常而言，千禧一代的节俭程度不亚于他们的祖辈，但由于经历了两次经济衰退、一场疫情、残酷的房地产市场和历史性的学生贷款债务危机，他们在成年期一直在努力积累财富。超过30%的Z世代（面临着同样的经济挑战）根本没有应急储蓄。
建立应急资金的需求与日俱增。多项研究发现，自疫情爆发以来，超过半数的美国人表示，如今建立应急基金比以往任何时候都更加重要，他们现在负担不起1000美元的紧急支出。
不过，这并不是千禧一代和Z世代在财务方面的唯一遗憾。对于这两个年龄段的人来说，“背负太多的信用卡债务”是他们的第二大遗憾，其次是千禧一代“没有足够早地为退休储蓄”，以及Z世代“背负太多学生贷款债务”。
每个人都更关心自己的储蓄，而不是债务
Bankrate的首席金融分析师格雷格·麦克布莱德（Greg McBride）在报告中写道，尽管债务和利率不断攀升，但与债务相关的遗憾相比，储蓄相关的遗憾更大。比起多还抵押贷款、教育相关贷款或信用卡，未能积攒足够多的储蓄更让美国人痛心疾首。
总体而言，在接受调查的成年人中，大量对财务状况感到遗憾的人表示，他们最大的遗憾是在职业生涯早期忽视了退休储蓄（21%），其次是背负了太多的信用卡债务（15%），以及没有为紧急支出积攒足够多的储蓄 (14%)。婴儿潮一代和X世代比年轻一代更有可能后悔没有为退休积攒足够多的储蓄，考虑到他们目前处于或即将进入退休阶段，这也是合乎情理的。
但考虑到婴儿潮一代享受到更强劲的经济带来的红利，即使是他们也觉得自己的退休储蓄不够，那么，这对年轻一代来说可能是个糟糕的信号，因为他们通往财务独立的道路要艰难得多。(近80%的年轻员工仍然依赖婴儿潮一代的父母赚钱。）
专家称，攒100万美元退休已经不够了，美国人对这一点深有体会。贝莱德（BlackRock）的一份报告显示，自2021年以来，对自己能否在退休后安享晚年没有信心的员工比例增加了一倍多（从10%增至24%）。Z世代最不自信。
理财规划师查理·帕斯特（Charlie Pastor）对《财富》杂志的艾丽西亚·亚当奇克（Alicia Adamczyk）表示：“随着Z世代步入青年期，新冠疫情的爆发严重影响了经济。老一辈人应该明白，下一代储蓄者在短时间内经历了很多经济动荡。”考虑到创纪录的利率、成千上万的员工被解雇，以及拥有房产或摆脱学生贷款债务的可能性越来越小，上述说法可能是轻描淡写。然而，正如Bankrate所发现的那样，错失良机的遗憾仍然挥之不去。
麦克布莱德解释说：“随着时间的推移，复利有可能让先前没有积攒储蓄的人更为痛心疾首，因为'本来有机会'实现的财务目标与现实形成鲜明的对比。以保守的6.5%的年回报率计算，你在20多岁时存的每一美元，到退休时就会变成17美元。”他补充说，换句话说，你在20多岁时没有投资的每一美元，“都变成在退休后无法拿到的17美元。”
但是，尽管年轻员工的积蓄较少，他们仍在努力打下坚实的基础。在2021年，Z世代员工比处于同年龄段的老一辈员工更有可能投资于公司的退休金计划。这表明 Z 世代比他们自认为的更有远见。（财富中文网）
译者：中慧言-王芳
It’s more than just a little treat here and there. When young adults reflect on their spending decisions, they’re filled with regret. And the stress about it all is really, really getting to them.
Nearly three-quarters of Americans have some type of financial regret, according to a recent Bankrate survey of nearly 3,700 adults. For the Gen Zers and millennials who feel this way, 60% and 57%, respectively, say it’s stressing them out more this year than last year—compared to just 45% of Gen Xers and 38% of baby boomers.
At the top of both millennials’ and Gen Zers’ financial regrets: not socking away enough money for emergency expenses (at 21% and 17%, respectively). No wonder; most of them think they’re unable to pay one month of expenses if they lost their job today.
While funding an emergency account has long been a “high-priority financial goal” for Americans of all ages, younger workers struggle more to meet that goal than older workers, Suzanne Schmitt, head of financial wellness at New York Life, told Fortune. Because they’ve had a longer time to build wealth, boomers’ emergency savings accounts are significantly beefier than those of millennials and Gen Zers. Millennials, generally no less frugal than their forebears, have spent their adulthood struggling to build wealth thanks to two recessions, a pandemic, an unforgiving housing market, and a historic student debt crisis. And over 30% of Gen Zers, who have also had their fair share of economic challenges, have no emergency savings at all.
The need for an emergency fund is growing. Several studies have found that since the pandemic, over half of Americans say an emergency fund is more crucial now than ever before and that they wouldn’t be able to afford an emergency $1,000 expense right now.
It’s not millennials’ and Gen Z’s only financial regret, though. For both age groups, “taking on too much credit card debt” was their second-place regret, followed by “not saving for retirement early enough” for millennials and “taking on too much student debt” for Gen Zers.
Everyone is more concerned about their savings than their debt
Despite mounting debt and interest rates, savings-related regrets continue to outpace debt-related regrets, Greg McBride, Bankrate’s chief financial analyst, wrote in the report. Failing to save enough money weighed more on Americans’ conscience than overpaying on their mortgage, education, or credit card purchases.
Overall, the largest share of adults surveyed with a financial regret said their biggest one is neglecting to save for retirement earlier on in their careers (21%), followed by taking on too much credit card debt (15%), and failing to save sufficient money for emergency expenses (14%). Boomers and Gen X were more likely than younger generations to regret not saving enough for retirement, which makes sense considering that’s the life stage they’re currently in or approaching.
But when you consider that boomers benefited from a stronger economy, the fact that even they feel their retirement savings aren’t enough might be a bad sign for younger generations, whose on-ramp to financial independence has been infinitely more fraught. (Nearly 80% of young workers still rely on their boomer parents for money.)
Experts say $1 million is no longer enough to retire, and Americans are feeling it. The share of workers who don’t feel confident that they’ll ever be able to comfortably retire—period—has more than doubled (from 10% to 24%) since 2021, per a BlackRock report. Gen Zers felt the least confident.
“The onset of the COVID-19 pandemic rocked the economy as Gen Z entered young adulthood,” Charlie Pastor, a financial planner, told Fortune’s Alicia Adamczyk. “Older generations should understand that the next generation of savers has seen a lot of economic turbulence in a short period of time.” Between historic interest rates, hundreds of thousands of layoffs, and the ever-vanishing possibility of owning property or escaping student debt, that may be an understatement. Yet, as Bankrate finds, the regrets over missed opportunities still linger.
“The power of compounding has the potential to magnify regrets about foregone savings over time as a ‘what could have been’ realization becomes more stark,” McBride explained. “At a modest 6.5% annual return, every dollar you put away in your twenties becomes $17 by the time you retire.” Put another way, McBride added, every dollar you don’t invest in your twenties “is $17 you won’t have in retirement.”
But young workers, despite having less saved up, are nonetheless working to build a solid foundation. Gen Z workers were more likely to invest in their company’s retirement plan than colleagues in older generations were at their age in 2021. That suggests Gen Z is more future-minded than they give themselves credit for.
