據(jù)美國《財(cái)富》雜志網(wǎng)站8日?qǐng)?bào)道，高通脹導(dǎo)致房租和食品價(jià)格持續(xù)上漲，加之學(xué)生貸款債務(wù)沉重，美國Z世代（1997-2012年出生）正面臨前所未有的經(jīng)濟(jì)挑戰(zhàn)。文章指出，房租已成為影響Z世代可支配收入的最重要因素之一，美國多數(shù)大城市的房租漲幅遠(yuǎn)超工資增長(zhǎng)，而食品價(jià)格上漲以及高昂的學(xué)生貸款讓Z世代的財(cái)務(wù)狀況雪上加霜。

Gen Z risk starting further and further behind previous generations building a life for themselves as soaring rents chew into their disposable income, leaving them deeper in a financial hole they are still digging.
隨著房租飆升，Z世代的可支配收入越來越少，他們的生活水平可能越來越落后于上一代人，在自己挖掘的財(cái)務(wù)陷阱中越陷越深。

According to new data from credit reporting agency TransUnion, these higher costs matched with their entry level salaries have forced young Americans born between 1997 and 2012 to rely much more often on expensive forms of revolving lines of debt—such as credit cards—to make ends meet.
美國征信機(jī)構(gòu)環(huán)聯(lián)最新數(shù)據(jù)顯示，生活成本不斷上漲，卻只拿著入門級(jí)薪資，Z世代年輕人不得不更頻繁地依賴信用卡等昂貴的循環(huán)債務(wù)方式來維持生計(jì)。

“This is a generation that is feeling financial stress in a more acute way than millennials did a decade ago,” Charlie Wise, head of global research at TransUnion, told the Wall Street Journal.
環(huán)聯(lián)全球研究負(fù)責(zé)人查理·懷斯告訴《華爾街日?qǐng)?bào)》：“這一代美國人比十年前的千禧一代感受到了更為沉重的財(cái)務(wù)壓力?！?/p>

The average open balance on US credit cards for Gen Z consumers grew to $2,834 last year versus $2,248 a decade earlier. 
2023年，Z世代消費(fèi)者的美國信用卡平均未結(jié)余額增至2834美元，而十年前為2248美元。

In Bank of America's annual Better Money Habits survey published in October, nearly three out of four said they have changed their spending habits to offset higher living expenses, by doing such things as cooking at home more frequently, limiting groceries to essential purchases and spending less on clothes.
在美國銀行去年10月發(fā)布的年度“更好的金錢習(xí)慣”調(diào)查中，近四分之三的人表示，他們已經(jīng)改變了消費(fèi)習(xí)慣，通過更頻繁地在家做飯、非必要不購買食品雜貨以及減少衣服支出等方式來抵消更高的生活開支。

Should this persist, their finances could create a structural impediment to longer-term US economic growth. An inability to build a financially secure foundation is often reason to delay plans for starting a family, inadvertently contributing to a further drop in US fertility rates, now at their lowest since records began a century ago.
如果這種情況持續(xù)下去，他們的財(cái)務(wù)狀況可能會(huì)對(duì)美國長(zhǎng)期的經(jīng)濟(jì)增長(zhǎng)造成結(jié)構(gòu)性障礙。無法建立有保障的經(jīng)濟(jì)基礎(chǔ)往往是推遲組建家庭計(jì)劃的原因，這也無意間導(dǎo)致了美國生育率的進(jìn)一步下降。目前美國生育率處于有記錄的一個(gè)世紀(jì)以來的最低水平。

來源：Fortune

編輯：董靜

審校：萬月英 陳丹妮