Einstein once said that the most powerful force in the universe was compound interest.

　　愛因斯坦曾經(jīng)說過：宇宙中最強(qiáng)大的力量就是復(fù)利。

　　No one is in a better position to harness this force than those who have just started earning a regular salary. But popular wisdom tells you that it is just this demographic that has a tough time saving. Salaries are typically lower.

　　而那些剛剛開始拿薪水的人，就是最能從這股力量中獲利的人了。但是，眾所周知，這恰好就是那群不擅長存錢的人。而且他們的工資通常也不算高。

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　　Here’s how that paycheck gets divvied up across the nation.

　　以下是一個(gè)普通美國人對(duì)自己收入的支配情況：

　　1. Housing (31.9%)

　　住房——占總收入的31.9%

　　Among households in this age group, 61% are renting.

　　在這個(gè)年齡的人當(dāng)中，61%的人是租房住的。

　　The average rent/mortgage check is $894 per month(60% of the total cost on housing). Obviously, this figure will vary widely based on location.

　　他們平均每月的租金或房貸是894美元(占住房總花銷的60%)。不過顯然，這個(gè)數(shù)字隨著地區(qū)不同而不同。

　　The rest of the balance of housing money is devoted to utilities, household supplies, furniture, and appliances.

　　而住房花銷中剩下的那部分，用在了水電燃?xì)�、日用品、家具和各種小物件上面。

　　2. Transportation (16.3%)

　　交通——占總收入的16.3%

　　This includes monthly payments for the purchase of new/used cars, which runs roughly $296 per month.

　　這包括買車的錢以及車貸平均到每月的花銷，大概是296美元。(這對(duì)于中國的畢業(yè)生來講不太一樣，畢竟在中國還是以公共交通為主)

　　Last year, an average of $204 per month was spent on gasoline.

　　去年，在汽油上的平均花銷是204美元。

　　The rest is used on maintenance, insurance, and “other vehicle expenses.”

　　其他的部分花在了維護(hù)費(fèi)用、保險(xiǎn)以及其他交通花銷上。

　　3. Healthcare (4.9%)

　　健康——占總收入的4.9%

　　Here’s where it really pays to be young.

　　這就是年輕真正的好處。(健康方面可以少花錢)

　　Healthcare spending is one of the only categories that consistently inches upward throughout life.

　　健康是唯一一個(gè)隨著年齡增長而花銷變大的門類。

　　Of this total, 70% is used to cover insurance premiums, which likely means that employers are chipping in a significant percentage of the total cost of coverage.

　　而這里面的70%是花在了健康保險(xiǎn)上面，所以基本上可以說是用人單位覆蓋了里面的大部分。(在中國的普遍情況就是公司交掉一半)

　　4. Food (12.1%)

　　飲食——占總收入的12.1%

　　Typically, 45% is spent on eating out.

　　一般來講，這其中的45%是花在了外出就餐上面。

　　Meats, fish, eggs, fruits, and vegetables make up over 40% of the money that is spent monthly for food at home.

　　而在家吃的那一部分花銷里，肉、魚、雞蛋、水果、蔬菜等食材占據(jù)了40%。(剩下的可能是零食吧)

　　5. Entertainment (4.4%)

　　娛樂——占總收入的4.4%

　　When you think about it, it’s a pretty good deal when you’re able to spend as much on entertainment as you do on healthcare.

　　仔細(xì)想一下的話，娛樂的花銷可以和健康花銷等量，還是一件挺劃算的事。

　　I should note that these figures include the costs of pets, TVs, hobbies, and any type of event you might attend.

　　我要指出，這部分花銷包括了寵物、電視、興趣愛好以及其他一切你可能參與的活動(dòng)。

　　6. Pensions and Social Security (9.8%)

　　社保、養(yǎng)老金——占總收入的9.8%

　　As you’ll see at the end, though, even with reduced benefits in the future, Social Security can play a key role in your retirement.

　　你們最終會(huì)明白的，雖然這些東西以后的價(jià)值會(huì)變低，但社保在你退休之后還是舉足輕重的。(在中國，這部分一般是公司在發(fā)薪前就代繳了，而公司負(fù)擔(dān)其中大部分)

　　7. Education (2%)

　　教育——占總收入的2%

　　Many will argue that this number should be higher. After all, the graduation is only a beginning. Your career just started and there's a lot of skills to acquire if you wanna get promoted and paid better.

　　很多人都覺得這一部分應(yīng)該更高一些。畢竟，畢業(yè)只是一個(gè)新階段的開始。你的職業(yè)生涯才剛剛起步，如果你想升職加薪的話，還有不少技能要學(xué)。

　　8. Other (9.3%)

　　其他——占總收入的9.3%

　　This covers a lot of different categories: clothes, alcohol, personal care products, cigarettes, donations, and even alimony payments. Lump all of them together and this is what you get.

　　這一部分包含很多門類：服裝、酒、個(gè)人護(hù)理產(chǎn)品、煙、慈善捐贈(zèng)甚至贍養(yǎng)費(fèi)。把它們?nèi)�部加起來就是你能自由支配的那一部分了�?能存下來的最大值)

　　That leaves the average household of 2 people with $423 per month.

　　這對(duì)于一般的家庭(兩口人)來說，就是每月423美元(約合人民幣2800元)

　　This may sound like a lot or a little, depending on your point of view. But let’s put it in perspective. This is equivalent to saving $5,076 per year.

　　這在你看來可能算多，也可能算少。不過且讓我們用不偏不倚的視角來看看，這相當(dāng)于每年5076美元(約合人民幣34000元)。

　　If we assume that a couple, aged 30, is able to put away this much every month until they retired at age 67, adjusted for inflation, and assuming a return of 9% (just below the stock market’s historical average), they would have an equivalent of $484,000 in their nest egg come retirement time.

　　如果我們假設(shè)，一對(duì)30歲的夫妻，每月能存下這么多錢，一直存到67歲退休，然后假設(shè)他們的投資回報(bào)率是9%(剛好低于股票市場歷史回報(bào)率的平均值)，再算上通貨膨脹，那他們?cè)谕诵莸臅r(shí)候就會(huì)有一筆484,000美元的財(cái)富(約合人民幣326萬元)。

　　Obviously, not everyone who reads this will represent the “average” household for this age group. There’s tons of variability.

　　不過顯然，并不是所有讀這篇文章的人都恰好是這個(gè)年齡段中的平均水平，變量是非常多的。

　　If nothing else, a key takeaway should be that if you want to super-charge your savings, focus on the Big Three of housing, transportation, and food to leverage your efforts.

　　但拋開一切不談，最重要的一點(diǎn)建議是：如果你想讓你的積蓄發(fā)揮最大的價(jià)值，你應(yīng)該著重在住房、交通、飲食這三個(gè)大頭上面精打細(xì)算。

　　口譯： 翻譯資格考試二級(jí)口譯模擬題

　　筆譯： 翻譯資格考試二級(jí)筆譯模擬題

　　資料來源考試網(wǎng)校老師主講教材精講班課程，完整講義下載進(jìn)入個(gè)人中心>>