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For many of us, when it comes to saving, we aren’t doing enough of it, so it’s time to step up our savings plan.
談到儲(chǔ)蓄，我們大多數(shù)人都做的不夠好，現(xiàn)在必須來(lái)規(guī)劃一下儲(chǔ)蓄了。
Roughly half of Americans are saving 5% or less of their incomes, including 18% that are not saving anything, according to a survey from Bankrate. Only about a quarter of people are saving more than 10% of their earnings.
據(jù)Bankrate一份調(diào)查顯示，大約有半數(shù)美國(guó)人的存款占不到收入的5%，其中，18%根本不存款。只有四分之一的人存款占收入的10%以上。
So how much should you be saving? Bankrate recommends 15%.
那么，到底多少存款才合適呢？Bankrate給出的建議是15%。
"Between emergency savings and the ever-increasing burden of retirement savings that is on the individual, the goal should be 15% of your income," said Greg McBride, the personal finance website’s chief financial analyst.
個(gè)人理財(cái)網(wǎng)站首席財(cái)務(wù)分析師格雷格·邁克布萊德認(rèn)為：“存款儲(chǔ)蓄要達(dá)到收入的15%，介于應(yīng)急儲(chǔ)蓄和負(fù)擔(dān)不斷加重的養(yǎng)老儲(chǔ)蓄個(gè)人部分之間?！?BR> Currently, one in seven people are saving more than 15%, the report showed.
報(bào)告顯示，當(dāng)前只有七分之一的人存款達(dá)到了收入的15%。
"For a lot of people, it won’t happen overnight. It’s going to take some time, but it’s doable, as the middle class is showing."
“對(duì)很多人來(lái)說(shuō)，這不是一時(shí)能改變的，但需要一些時(shí)間就能夠?qū)崿F(xiàn)，因?yàn)橹挟a(chǎn)階層已經(jīng)證明了這一點(diǎn)。”
Those in the middle class are proving to be the super savers with 35% of people with an annual income of $50,000-$74,999 saving more than 10% of their earnings.
事實(shí)證明，中產(chǎn)階層才是存款的主要人群，年收入5萬(wàn)美元到7.5萬(wàn)美元的人，35%的存款占到收入的10%以上。
Of those taking home more than $75,000 a year, 32% were saving more than 10% of their income, according to McBride.
而收入超過(guò)7.5萬(wàn)美元的人，有32%的存款站收入的10%以上。邁克布萊德介紹道。
Saving more is easier said than done, which is why McBride suggests making it automatic by having a portion of each paycheck be directly deposited into a savings account and a retirement plan. "Saving needs to happen before you pick up your paycheck."
想增加存款儲(chǔ)蓄，說(shuō)起來(lái)容易做起來(lái)難。因此，邁克布萊德建議自動(dòng)將薪水的一部分直接存入存款賬戶和養(yǎng)老金計(jì)劃賬戶，“存款應(yīng)該在你拿到薪水之前就儲(chǔ)存下來(lái)?！?BR> Bankrate’s Financial Security Index, which surveyed 1,000 adults in the U.S., also showed consumers are feeling better about their debt and financial situation compared to a year ago, which could actually be bad news for savings accounts.
通過(guò)對(duì)1000名美國(guó)成年人的調(diào)查，得出的Bankrate金融安全指數(shù)顯示，相比于一年前，消費(fèi)者對(duì)其債務(wù)和財(cái)務(wù)狀況過(guò)于樂(lè)觀，這對(duì)存款儲(chǔ)蓄來(lái)說(shuō)不是什么好事。
"People get frugal fatigue, as the economy improves I think a lot of people will fall back into familiar habits ... more spending, more debt, less savings."
“我發(fā)現(xiàn)，人們過(guò)夠了節(jié)儉的生活，隨著經(jīng)濟(jì)的好轉(zhuǎn)，大部分人會(huì)重拾過(guò)去的壞習(xí)慣，過(guò)度消費(fèi)，債務(wù)壓身，花光積蓄?！?
For many of us, when it comes to saving, we aren’t doing enough of it, so it’s time to step up our savings plan.
談到儲(chǔ)蓄，我們大多數(shù)人都做的不夠好，現(xiàn)在必須來(lái)規(guī)劃一下儲(chǔ)蓄了。
Roughly half of Americans are saving 5% or less of their incomes, including 18% that are not saving anything, according to a survey from Bankrate. Only about a quarter of people are saving more than 10% of their earnings.
據(jù)Bankrate一份調(diào)查顯示，大約有半數(shù)美國(guó)人的存款占不到收入的5%，其中，18%根本不存款。只有四分之一的人存款占收入的10%以上。
So how much should you be saving? Bankrate recommends 15%.
那么，到底多少存款才合適呢？Bankrate給出的建議是15%。
"Between emergency savings and the ever-increasing burden of retirement savings that is on the individual, the goal should be 15% of your income," said Greg McBride, the personal finance website’s chief financial analyst.
個(gè)人理財(cái)網(wǎng)站首席財(cái)務(wù)分析師格雷格·邁克布萊德認(rèn)為：“存款儲(chǔ)蓄要達(dá)到收入的15%，介于應(yīng)急儲(chǔ)蓄和負(fù)擔(dān)不斷加重的養(yǎng)老儲(chǔ)蓄個(gè)人部分之間?！?BR> Currently, one in seven people are saving more than 15%, the report showed.
報(bào)告顯示，當(dāng)前只有七分之一的人存款達(dá)到了收入的15%。
"For a lot of people, it won’t happen overnight. It’s going to take some time, but it’s doable, as the middle class is showing."
“對(duì)很多人來(lái)說(shuō)，這不是一時(shí)能改變的，但需要一些時(shí)間就能夠?qū)崿F(xiàn)，因?yàn)橹挟a(chǎn)階層已經(jīng)證明了這一點(diǎn)。”
Those in the middle class are proving to be the super savers with 35% of people with an annual income of $50,000-$74,999 saving more than 10% of their earnings.
事實(shí)證明，中產(chǎn)階層才是存款的主要人群，年收入5萬(wàn)美元到7.5萬(wàn)美元的人，35%的存款占到收入的10%以上。
Of those taking home more than $75,000 a year, 32% were saving more than 10% of their income, according to McBride.
而收入超過(guò)7.5萬(wàn)美元的人，有32%的存款站收入的10%以上。邁克布萊德介紹道。
Saving more is easier said than done, which is why McBride suggests making it automatic by having a portion of each paycheck be directly deposited into a savings account and a retirement plan. "Saving needs to happen before you pick up your paycheck."
想增加存款儲(chǔ)蓄，說(shuō)起來(lái)容易做起來(lái)難。因此，邁克布萊德建議自動(dòng)將薪水的一部分直接存入存款賬戶和養(yǎng)老金計(jì)劃賬戶，“存款應(yīng)該在你拿到薪水之前就儲(chǔ)存下來(lái)?！?BR> Bankrate’s Financial Security Index, which surveyed 1,000 adults in the U.S., also showed consumers are feeling better about their debt and financial situation compared to a year ago, which could actually be bad news for savings accounts.
通過(guò)對(duì)1000名美國(guó)成年人的調(diào)查，得出的Bankrate金融安全指數(shù)顯示，相比于一年前，消費(fèi)者對(duì)其債務(wù)和財(cái)務(wù)狀況過(guò)于樂(lè)觀，這對(duì)存款儲(chǔ)蓄來(lái)說(shuō)不是什么好事。
"People get frugal fatigue, as the economy improves I think a lot of people will fall back into familiar habits ... more spending, more debt, less savings."
“我發(fā)現(xiàn)，人們過(guò)夠了節(jié)儉的生活，隨著經(jīng)濟(jì)的好轉(zhuǎn)，大部分人會(huì)重拾過(guò)去的壞習(xí)慣，過(guò)度消費(fèi)，債務(wù)壓身，花光積蓄?！?