{"id":17178,"date":"2014-12-02T10:59:16","date_gmt":"2014-12-02T02:59:16","guid":{"rendered":"http:\/\/buzzorange.com\/citiorange\/2014\/12\/02\/the-young-cannot-save-money\/"},"modified":"2014-12-02T10:59:16","modified_gmt":"2014-12-02T02:59:16","slug":"the-young-cannot-save-money","status":"publish","type":"post","link":"https:\/\/buzzorange.com\/citiorange\/2014\/12\/02\/the-young-cannot-save-money\/","title":{"rendered":"\u7576\u5e74\u8f15\u4eba\u88ab\u64e0\u58d3\u5230\u5c31\u696d\u5e02\u5834\u908a\u7de3\uff0c\u300c\u5b58\u9322\u300d\u4e8c\u5b57\u7b49\u65bc\u5929\u65b9\u591c\u8b5a"},"content":{"rendered":"<p><a href=\"\/\/buzzorange.com\/wp-content\/uploads\/2014\/11\/6355251231_830459dc50_z.jpg\"><img loading=\"lazy\" class=\"aligncenter wp-image-20086\" src=\"\/\/buzzorange.com\/wp-content\/uploads\/2014\/11\/6355251231_830459dc50_z.jpg\" alt=\"6355251231_830459dc50_z\" width=\"600\" height=\"450\" \/><\/a><\/p>\n<p>\u5728\u73fe\u5728\u9019\u500b\u5927\u74b0\u5883\u4e2d\uff0c\u5e74\u8f15\u4eba\u771f\u662f\u96e3\u7576\u3002\u9664\u4e86\u8981\u958b\u59cb\u9762\u5c0d\u4eba\u53e3\u8001\u5316\u6240\u5e36\u4f86\u7684\u885d\u64ca\uff0c\u9084\u8981\u7169\u60f1\u85aa\u8cc7\u4e0d\u6f32\u3001\u623f\u50f9\u9ad8\u6602\uff0c\u52aa\u529b\u5ff5\u66f8\u60f3\u8981\u627e\u500b\u597d\u5de5\u4f5c\uff0c\u4e0d\u904e\u4e0a\u4e00\u4ee3\u7684<del>\u8001\u5c41\u80a1<\/del>\u9084\u6c92\u9000\u4f11\uff0c\u5347\u9077\u6210\u70ba\u554f\u984c\u3002\u5e74\u8f15\u4e16\u4ee3\u7684\u61a4\u6012\u8207\u632b\u6298\u4f55\u5176\u591a\uff0c\u9019\u4e9b\u72c0\u6cc1\u4e0d\u53ea\u767c\u751f\u5728\u53f0\u7063\uff0c\u5176\u5be6\u7f8e\u570b\u5e74\u8f15\u4eba\u4e5f\u906d\u9047\u4e86\u76f8\u540c\u7684\u56f0\u5883\u3002\u7f8e\u570b\u5e74\u8f15\u4eba\u7684\u5b58\u6b3e\u7387\u73fe\u5728\u5448\u73fe\u8ca0\u6210\u9577\uff0c\u4f46\u5728\u602a\u7f6a\u5e74\u8f15\u4eba\u4e0d\u61c2\u5132\u84c4\u4e4b\u524d\uff0cCNN \u64b0\u6587\u6307\u51fa\uff0c\u5176\u5be6\u5e74\u8f15\u4eba\u5b58\u4e0d\u4e86\u9322\uff0c\u662f\u5927\u74b0\u5883\u4f7f\u7136\u3002<\/p>\n<p>\u6839\u64da\u8abf\u67e5\u6a5f\u69cb Moody\u2019s Analytics \u7684\u7814\u7a76\u986f\u793a\uff0c35 \u6b72\u4ee5\u4e0b\u7684\u5e74\u8f15\u4eba\u6c92\u6709\u5728\u5b58\u9322\u3002\u4e8b\u5be6\u4e0a\uff0c\u4ed6\u5011\u7684\u5b58\u6b3e\u7387\u751a\u81f3\u9000\u5230 -2%\uff0c\u4ee3\u8868\u82b1\u51fa\u53bb\u7684\u9322\u6bd4\u5b58\u9032\u4f86\u7684\u9084\u8981\u591a\u3002\u9019\u500b\u65cf\u7fa4\u4e5f\u662f\u552f\u4e00\u4e00\u500b\u5b58\u6b3e\u5012\u9000\u7684\u5e74\u9f61\u65cf\u7fa4\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c35 \u5230 44 \u6b72\u7684\u5e74\u9f61\u65cf\u7fa4\u6709\u8457 3% \u7684\u5b58\u6b3e\u7387\u3002<\/p>\n<p>\u5373\u4f7f\u7f8e\u570b\u7684\u5c31\u696d\u5e02\u5834\u6574\u9ad4\u4f86\u8b1b\u6709\u9032\u6b65\uff0c\u4eca\u5e74 10 \u6708\u7684\u5931\u696d\u7387\u964d\u5230 5.8%\uff0c\u4e5f\u5c31\u662f\u4ee3\u8868\u7f8e\u570b\u7e3d\u5171\u589e\u52a0\u4e86 21.4 \u842c\u7684\u5c31\u696d\u6a5f\u6703\uff0c\u5e74\u8f15\u4eba\u7684\u5c31\u696d\u5e02\u5834\u4ecd\u7136\u6158\u6de1\u3002\u4f46\u662f\u85aa\u6c34\u5f9e 1990 \u5e74\u4ee3\u958b\u59cb\u5e7e\u4e4e\u6c92\u6709\u6f32\uff0c\u5373\u4f7f\u5931\u696d\u7387\u4e0b\u964d\uff0c\u5e74\u8f15\u4eba\u8981\u9760\u5fae\u8584\u85aa\u6c34\u9054\u5230\u6536\u652f\u5e73\u8861\uff0c\u751a\u81f3\u5b58\u6b3e\u4ecd\u5c1a\u6709\u6311\u6230\u3002\u5176\u4e2d\u751a\u81f3\u9084\u6709\u8a31\u591a\u4eba\u70ba\u4e86\u589e\u52a0\u8077\u5834\u7af6\u722d\u529b\uff0c\u9032\u5165\u5927\u5b78\u9ad4\u7cfb\u5ff5\u66f8\uff0c\u56e0\u800c\u80cc\u8ca0\u5c31\u5b78\u8cb8\u6b3e\u3002<\/p>\n<p>\u6839\u64da Moody\u2019s \u7684\u8abf\u67e5\uff0c\u5176\u5be6\u524d\u5e7e\u5e74\u7684\u5149\u666f\u66f4\u7cdf\u3002\u5f9e 2004 \u5e74\u5230 2009 \u5e74\u70ba\u6b62\uff0c\u5e74\u8f15\u4eba\u7684\u5b58\u6b3e\u7387\u90fd\u662f\u5012\u9000\uff0c\u5176\u4e2d 2007 \u5e74\u662f\u6700\u4f4e\u9ede\uff0c\u9054\u5230 -15%\u3002\u4f46\u5f9e 2009 \u5e74\u5f8c\uff0c\u5e74\u8f15\u4eba\u5b58\u6b3e\u7387\u958b\u59cb\u56de\u5347\uff0c\u4e26\u4e14\u4e00\u76f4\u7dad\u6301\u6b63\u5411\u6210\u9577\uff0c\u76f4\u5230 2012 \u5e74\u624d\u53c8\u8dcc\u56de\u8ca0\u6210\u9577\u3002<\/p>\n<p>Babson College \u8ca1\u91d1\u6559\u6388 John Edmunds \u8868\u793a\uff0c\u8a31\u591a\u64c1\u6709\u5927\u5b78\u5b78\u6b77\u7684\u5e74\u8f15\u4eba\u5011\u5176\u5be6\u90fd\u53ef\u4ee5\u627e\u5230\u4e0d\u932f\u7684\u5de5\u4f5c\uff0c\u4e0d\u904e\u5347\u9077\u6a5f\u6703\u537b\u88ab\u9650\u5236\u4f4f\u3002\u300c\u5e74\u8f15\u4eba\u5f97\u7b49\u8457\u90a3\u4e9b\u6230\u5f8c\u51fa\u751f\u7684\u8001\u4e00\u8f29\u9000\u4f11\uff0c\u6216\u662f\u904e\u4e16\u624d\u6709\u8fa6\u6cd5\u5f80\u4e0a\u722c\u3002\u4e0d\u904e\u90a3\u4e9b\u5c45\u9ad8\u4f4d\u7684\u4e26\u4e0d\u6703\u9019\u9ebc\u7c21\u55ae\u5c31\u653e\u68c4\u73fe\u6709\u7684\u8077\u4f4d\u3002\u300d<\/p>\n<p>\uff08\u8cc7\u6599\u4f86\u6e90\uff1a<a href=\"\/\/money.cnn.com\/2014\/11\/10\/pf\/millennials-negative-savings\/index.html\" target=\"_blank\" rel=\"noopener\">CNN<\/a>\uff0c\u5716\u7247\u4f86\u6e90\uff1a<a href=\"https:\/\/www.flickr.com\/photos\/68751915@N05\/6355251231\/in\/photolist-aFAjM6-ELKP3-6rLkog-dguHb3-4cki4S-7Fow57-56JmtF-9NFrjM-fKu9zW-6f3DY-5vBQGV-baHyVH-4NSPfn-bgfuxT-dJENvX-99vhCM-824inV-4t7oHB-bZvU29-7FU4JG-8e9EX-2BXuvJ-njHxHb-5sJqbh-5Gw188-jzuegY-f6Ge9J-9d4Bf7-65RJzN-dHwVBo-GVb1-6T9kwc-7VV9NJ-nvtve-65Vij2-hXBCiN-db9zH-kMUfwz-67GCM4-9QLmgo-74gY7D-5jo1iA-9QZmsd-5aKW7R-7zEqj2-5ULt1b-iHvAp-5aLcck-5aL6jp-8eGhPK\">401(K) 2012<\/a>\uff0cCC licensed\uff09<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u73fe\u5728\u9019\u500b\u5927\u74b0\u5883\u4e2d\uff0c\u5e74\u8f15\u4eba\u771f\u662f\u96e3\u7576\u3002\u9664\u4e86\u8981\u958b\u59cb\u9762\u5c0d\u4eba\u53e3\u8001\u5316\u6240\u5e36\u4f86\u7684\u885d\u64ca\uff0c\u9084\u8981\u7169\u60f1\u85aa\u8cc7\u4e0d\u6f32\u3001\u623f\u50f9\u9ad8\u6602\uff0c\u52aa\u529b\u5ff5\u66f8\u60f3\u8981\u627e\u500b\u597d\u5de5\u4f5c\uff0c\u4e0d\u904e\u4e0a\u4e00\u4ee3\u7684\u8001\u5c41\u80a1\u9084\u6c92\u9000\u4f11\uff0c\u5347\u9077\u6210\u70ba\u554f\u984c\u3002\u5e74\u8f15\u4e16\u4ee3\u7684\u61a4\u6012\u8207\u632b\u6298\u4f55\u5176\u591a\uff0c\u9019\u4e9b\u72c0[&#8230;]<\/p>\n","protected":false},"author":266,"featured_media":39168,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[525],"_links":{"self":[{"href":"https:\/\/buzzorange.com\/citiorange\/wp-json\/wp\/v2\/posts\/17178"}],"collection":[{"href":"https:\/\/buzzorange.com\/citiorange\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buzzorange.com\/citiorange\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buzzorange.com\/citiorange\/wp-json\/wp\/v2\/users\/266"}],"replies":[{"embeddable":true,"href":"https:\/\/buzzorange.com\/citiorange\/wp-json\/wp\/v2\/comments?post=17178"}],"version-history":[{"count":0,"href":"https:\/\/buzzorange.com\/citiorange\/wp-json\/wp\/v2\/posts\/17178\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buzzorange.com\/citiorange\/wp-json\/wp\/v2\/media\/39168"}],"wp:attachment":[{"href":"https:\/\/buzzorange.com\/citiorange\/wp-json\/wp\/v2\/media?parent=17178"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buzzorange.com\/citiorange\/wp-json\/wp\/v2\/categories?post=17178"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buzzorange.com\/citiorange\/wp-json\/wp\/v2\/tags?post=17178"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}