受生活成本不斷攀升、高通脹、債務問題的持續(xù)影響，美國年輕人的財務狀況正面臨前所未有的挑戰(zhàn)。儲蓄與投資應用程序Acorns發(fā)布的《2024金錢問題報告》顯示，美國年輕人對他們的財務狀況非常不安，約三分之一的Z世代和千禧一代年輕人（分別為 29% 和 32%）擔心當前財務狀況或讓他們無家可歸，這一比例幾乎是嬰兒潮一代和年長受訪者（11%）的三倍。文章摘編如下：

Acorns, a leading saving and investing app, released its 2024 Money Matters Report, shedding light on the current financial concerns gripping Americans. The report reveals approximately a third of Gen Z and Millennials (29% and 32% respectively) responded that they fear their financial situation could lead to experiencing homelessness, which is nearly three times more than Boomers and older respondents (11%).
行業(yè)領先的儲蓄和投資應用Acorns發(fā)布了《2024年金錢問題報告》，揭示了當前困擾美國人的財務問題。報告顯示，大約三分之一的Z世代和千禧一代年輕人（分別為29%和32%）表示，他們擔心自己的經濟狀況可能導致無家可歸，這幾乎是嬰兒潮一代和老年受訪者（11%）的三倍。

The major drivers behind this fear, and the top three biggest financial concerns among adults, are cost of living, inflation and debt. Additionally, over a quarter of Americans surveyed (27%) have never had an emergency fund.
這種擔憂背后的主要原因是生活成本、通貨膨脹和債務，它們也是成年人最關心的三大財務問題。此外，超過四分之一的受訪美國人（27%）從未準備過應急基金。

Noah Kerner, Acorns CEO, explains that this fear is understandable. “If you’re afraid you might lose your job, or not make enough income to combat inflation, and can’t borrow money at reasonable rates, then it doesn’t seem out of bounds to be worried about not having a home.”
Acorns首席執(zhí)行官諾亞·克納解釋說，人們的擔憂是可以理解的?！叭绻銚淖约嚎赡軙I(yè)，或者沒有足夠的收入來對抗通貨膨脹，并且無法以合理的利率借錢，那么擔心沒有房子住似乎并不過分。”

In fact, The Department of Housing and Urban Development (HUD) counted 653,104 homeless Americans in its 2023 point-in-time report, which measures homelessness across the US on a single night each winter. That's a 12.1% increase from the same report in 2022.
事實上，美國住房與城市發(fā)展部（HUD）發(fā)布的2023年時間點統計報告顯示，美國有653104名無家可歸者，該報告衡量了美國每年冬天一個晚上的無家可歸者情況。這一數字比2022年增長了12.1%。

According to the report, these anxieties will continue to loom, with only 35% of those surveyed projected that they would be more financially secure next year than they are currently, while most people (44%) expect their financial security to be about the same.
根據Acorns的報告，這些財務焦慮將繼續(xù)顯現，只有35%的受訪者預計他們明年的經濟狀況將比目前更安全，而大多數人（44%）預計他們的經濟安全狀況會大致相同。

來源：Forbes
編輯：董靜
審校：萬月英 陳丹妮