即使是有钱人也过着月光族的生活
40年来最高的通货膨胀率让每个人的生活都很艰难，甚至是最高收入者。
从汽油到生活用品，所有商品的价格都在飙升，这让美国人花钱如流水，从而迫使许多人削减开支并动用他们的积蓄。尽管通货膨胀对美国最贫困人口的打击最为严重，但即使是薪水最高的人也受到了经济下行带来的冲击。
根据贷款发放机构LendingClub和商业媒体平台PYMNTS的一份新报告，美国超过三分之一的月光族的收入至少为25万美元，这表明通货膨胀正在影响所有收入水平的美国人处理预算的方式。
报告中写道：“通货膨胀很可能会成为未来几个月经济状况的一部分，所有收入水平的消费者都需要审视他们的财务状况并相应地计划支出。”
该报告分析了全美3000多名不同收入水平的消费者的财务状况。该调查于4月进行，并在研究历史上首次报告了美国最高收入人群的财务状况。
“年收入25万美元是全国平均收入的五倍多，显然是高收入。他们中有三分之一的人都是月光族，这一事实应该会让你感到惊讶。” LendingClub的财务健康官阿努伊·纳亚尔（Anuj Nayar）在一份声明中表示。纳亚尔补充说，高收入者奢侈的生活方式落后于他们调整后的消费模式。
报告称，约有61.3%的美国人(1.57亿人)都是月光族，他们的所有薪水都用来支付各种开支，到月底几乎没有剩余。这一数字比一年前高出9个百分点。
但是，不同收入水平的人在支付账单的方式上存在很大差异，报告澄清说，大多数高收入月光族在支付费用方面仍然没有任何问题——只有10%到12%的人在支付账单方面遇到了问题。
与工薪阶层不同，高收入者通常有良好的信用评分，并且可以选择使用信用卡支付。在所有努力维持生计的月光族中，只有48%的人最近使用信用卡付款。
纳亚尔说:“(高收入者)信誉良好，但他们的财务负债更高，更有可能利用资本来承担生活费用。”
大多数美国人多年来一直过着月光族的生活，但通货膨胀使财务状况更加紧张。燃料、食品和住房的价格正在快速上涨，但平均工资增长迄今未能跟上。
对大多数美国人来说，疫情过后的金融复兴本来有望成为一场史诗般的复兴，但通胀也动摇了这场复兴。由于多重刺激计划、更高的储蓄和更低的支出，大多数美国人的财务状况在疫情期间实际上有所改善，美联储最近的一项分析发现，去年美国人的财务健康状况达到近十年来的最高水平。
但那是在俄乌冲突导致食品和燃料价格飙升，通货膨胀开始影响大多数美国人的生活，甚至是高收入者生活之前。
美国心理学协会(American Psychological Association) 3月份的一项调查发现，通货膨胀和不断上升的成本已经成为美国人最大的压力来源，经济压力创历史新高。《美国新闻与世界报道》4月份的另一项研究发现，超过三分之二的美国人现在对自己的财务状况感到焦虑，并担心自己的财务未来。（财富中文网）
译者：中慧言-王芳
40年来最高的通货膨胀率让每个人的生活都很艰难，甚至是最高收入者。
从汽油到生活用品，所有商品的价格都在飙升，这让美国人花钱如流水，从而迫使许多人削减开支并动用他们的积蓄。尽管通货膨胀对美国最贫困人口的打击最为严重，但即使是薪水最高的人也受到了经济下行带来的冲击。
根据贷款发放机构LendingClub和商业媒体平台PYMNTS的一份新报告，美国超过三分之一的月光族的收入至少为25万美元，这表明通货膨胀正在影响所有收入水平的美国人处理预算的方式。
报告中写道：“通货膨胀很可能会成为未来几个月经济状况的一部分，所有收入水平的消费者都需要审视他们的财务状况并相应地计划支出。”
该报告分析了全美3000多名不同收入水平的消费者的财务状况。该调查于4月进行，并在研究历史上首次报告了美国最高收入人群的财务状况。
“年收入25万美元是全国平均收入的五倍多，显然是高收入。他们中有三分之一的人都是月光族，这一事实应该会让你感到惊讶。” LendingClub的财务健康官阿努伊·纳亚尔（Anuj Nayar）在一份声明中表示。纳亚尔补充说，高收入者奢侈的生活方式落后于他们调整后的消费模式。
报告称，约有61.3%的美国人(1.57亿人)都是月光族，他们的所有薪水都用来支付各种开支，到月底几乎没有剩余。这一数字比一年前高出9个百分点。
但是，不同收入水平的人在支付账单的方式上存在很大差异，报告澄清说，大多数高收入月光族在支付费用方面仍然没有任何问题——只有10%到12%的人在支付账单方面遇到了问题。
与工薪阶层不同，高收入者通常有良好的信用评分，并且可以选择使用信用卡支付。在所有努力维持生计的月光族中，只有48%的人最近使用信用卡付款。
纳亚尔说:“(高收入者)信誉良好，但他们的财务负债更高，更有可能利用资本来承担生活费用。”
大多数美国人多年来一直过着月光族的生活，但通货膨胀使财务状况更加紧张。燃料、食品和住房的价格正在快速上涨，但平均工资增长迄今未能跟上。
对大多数美国人来说，疫情过后的金融复兴本来有望成为一场史诗般的复兴，但通胀也动摇了这场复兴。由于多重刺激计划、更高的储蓄和更低的支出，大多数美国人的财务状况在疫情期间实际上有所改善，美联储最近的一项分析发现，去年美国人的财务健康状况达到近十年来的最高水平。
但那是在俄乌冲突导致食品和燃料价格飙升，通货膨胀开始影响大多数美国人的生活，甚至是高收入者生活之前。
美国心理学协会(American Psychological Association) 3月份的一项调查发现，通货膨胀和不断上升的成本已经成为美国人最大的压力来源，经济压力创历史新高。《美国新闻与世界报道》4月份的另一项研究发现，超过三分之二的美国人现在对自己的财务状况感到焦虑，并担心自己的财务未来。（财富中文网）
译者：中慧言-王芳
Inflation at a 40-year high is making life difficult for everyone, even the country's highest earners.
A surge in prices for everything from gasoline to groceries is burning a hole in every American’s wallet, and forcing many to cut back on expenses and dip into their savings. And while inflation is hitting the nation’s poorest hardest, even people with the largest salaries are being hit by the economy.
More than one-third of paycheck-to-paycheck consumers in the U.S. earn at least $250,000, according to a new report by loan issuer LendingClub and commerce media platform PYMNTS, suggesting that inflation is affecting how Americans of all income levels handle their budgets.
“Inflation will most likely be part of the economic picture for many months to come, and consumers living paycheck to paycheck of all income brackets will need to review their financial situations and plan their spending accordingly,” the report reads.
The report analyzed the finances of over 3,000 consumers of all income levels across the U.S. The survey was conducted in April, and reports on the finances of the country’s highest income earners for the first time in the study’s history.
"Earning a quarter of a million dollars a year is more than five times the national median and is clearly high income. The fact that a third of them are living paycheck to paycheck should surprise you," Anuj Nayar, LendingClub's financial health officer, said in a statement. Nayar added that the expensive lifestyles of high income earners were behind their adjusted spending patterns.
Around 61.3% of Americans—157 million people—are living paycheck to paycheck and devoting all of their salaries to expenses with little to nothing left over at the end of the month, according to the report. That number is nine percentage points higher than a year ago.
But there are big differences between how people in different income brackets pay their bills, and the report clarifies that most high income earners who are living paycheck to paycheck still have no issues covering their expenses—only 10% to 12% are running into problems paying their bills.
Unlike working-class people, high income earners generally have good credit scores and the option to use credit cards to make payments. Only 48% of all paycheck-to-paycheck consumers who are struggling to make ends meet have recently made a credit card payment.
“[High income earners] are creditworthy but they have higher financial obligations and are more likely to leverage their capital to finance their lives,” Nayar said.
The majority of Americans have been living paycheck to paycheck for years, but inflation has made finances even tighter. Prices for fuel, food, and housing are rising fast, but average wage growth has so far failed to keep up.
Inflation has also rocked what was on track to be an epic financial recovery for most Americans after the pandemic. Between multiple stimulus payments, higher savings, and lower expenses, most Americans’ finances actually improved during the pandemic, and a recent analysis by the Federal Reserve found that Americans’ financial health last year was the highest it’s been in nearly a decade.
But that was before the Russian invasion of Ukraine sent prices for food and fuel soaring and inflation began to take hold of most Americans’ lives, even the high earners.
A March survey by the American Psychological Association found that inflation and rising costs had become the biggest sources of stress for Americans, with economic stress reaching record highs. Another April study by U.S. News & World Report found that over two-thirds of Americans are now anxious about their finances and worried about their financial future.
