according to a new report from charles schwab, millennials spend more than other generations on comforts and conveniences like taxis, pricey coffee and dining out. 根据一份来自查尔斯施瓦布公司的研究报告,千禧一代(注:一般特指1982年-2000年出生的人)与他们的父辈对于,更容易在个人舒适和便利方面进行消费,比如计程车、高级咖啡以及“下馆子”。

      sixty percent of millennials admit to spending more than $4 on coffee, 79 percent will splurge to eat at the hot restaurant in town and 69 percent buy clothes they don't necessarily need. 60%的年轻受访者表示他们会购买超过4美元一杯的咖啡,79%的受访者表示会去“网红餐厅”打卡吃饭,还有69%的受访者表示他们会购买一些原来并不是很必要的衣服。




      美国市场研究机构bigger markets专门针对大学生怎么花钱进行了研究:

      college kids spend $27 billion on things deemed to be "non-essential items". according to the study, students ages 18-24 spend $5 billion each year on clothes and shoes, and $5.5 billion on alcohol. they spent another $2.4 billion on entertainment, which includes things like music, dvd and on-demand movie rentals, and video games. 学生们在被认为在“非必要物品”的东西上花费了270亿美元。比如18岁至24岁的学生每年在衣服和鞋子上的花费为50亿美元,在酒精饮料上的支出为55亿美元。在娱乐方面花费了24亿美元,其中包括音乐、dvd和点播电影租赁以及电子游戏等。


      图片来源:getty images



      the kansas city star撰文分析了现在年轻人的消费表现:

      more than possibly any other generation, this is a group that relies on word of mouth — even if it's from strangers. online reviews are a hot commodity when considering a purchase. they'll pay for experience over material. 比任何其他一代人都更重要的是,这是一个严重依赖口碑的群体——即使是来自陌生人的评论。来自其他购买者的评价在购买时是一个重要的参考因素。他们将更倾向为经验而不是实物买单。

      millennials are more likely to pay for events or memories — like concert tickets, bar tabs or road trips — than they are for tangible items. 与有形物品对于,千禧一代更有也许为活动或记忆买单——比如音乐会门票、酒吧账单或公路旅行。






      图片来源:lexington law





      consumerreports.com官网给出的建议是make a budget(做好预算):

      1. know your cash flow. 了解你的现金流。

      people who budget typically do it monthly, but it makes more sense for students to build a spending plan around each academic period. first, tally up the money you expect to have for the semester. it's likely to be "lumpy". you may have a chunk from savings or refunds from financial aid (that's money left over after loans, scholarships, and grants are applied to your tuition, room and board, and fees) at the start of the semester, and some regular income from your parents or a job. 预算通常是按月做的,但学生在每个学期前后制定支出计划更有意义。首先,需要计算一下你在这学期里能支配的所有钱,数字不一定需要很精确。你也许会有一笔钱来自之前的储蓄、或是从财政援助计划中得到的补助(扣除了贷款、奖学金和助学金后剩下的钱,可以用来支付你的学费,生活费和其他费用);在学期开始,你通常还会从父母和兼职收入那里得到一些钱。

      2. track your spending. 记录你的支出。

      next, figure out what you spend in a typical month. look at your debit card, bank account, and credit cards over the last few months to see where your money is going and what big-ticket items popped up. once you see what you've been spending money on, you may be surprised at how much is on nonessentials. 然后,记录下你在一个典型的月份里花了多少钱。看看你的借记卡、银行账户和信用卡,看看你的钱去了哪里。一旦你看到你的账目记录,你也许会惊讶于有多少钱花在了非必需品上。

      3. identify your needs and wants. 区分你“需要的”和“想要的”

      now comes the hard part: categorizing your spending into two buckets, needs vs. wants. needs are staples like clothing, housing, school gear, food, and transportation. wants: concert tickets, your second soy latte of the day, beer, and that spring break plane ticket. 把你的支出分为两个部分:需要的和想要的。需要的可以包括服装、住宿、学习用品、食品和交通等。想要的可以是:音乐会门票, 你当天的第二杯大豆拿铁,啤酒,还有在春假期间的机票。




      let's say you invest $300 per month starting at age 20 and don't stop until you're 60-years-old. if you managed an 8 percent return during that time, you would have more than $1 million dollars in that account alone. 假设从20岁开始每月投资300美元,并且一直持续到60岁。假如能使投资回报率维持在8%左右,那么仅凭这一个帐户你就可以获得超过100万美元的回报。

      now let's say you waited until you were 30 to get started. by the time you reached 60-years-old, you would only have $440,445 in your account. those first ten years you missed out on would cost you more than $550,000 in returns — even though you only skipped $36,000 and ten years of deposits! 假如说等到30岁才开始同样的投资,当你达到60岁时,你的账户中只有44.0445万美元。你错过的前十年会使你少拿到超过55万美元的回报。即使你仅仅少付了这十年的3.6万美元!





      perhaps the strategy's most significant benefit for younger investors is capitalizing on their greatest asset: time. "investors with decades in front of them have a huge opportunity to take advantage of compounding interest," says amanda lawson, communications specialist at matson money in scottsdale, arizona. 也许这一策略对年轻投资者最重要的好处是他们可以充分利用他们最大的资产:时间。亚利桑那州斯科茨代尔的matson money公司的客户联系专家amanda lawson说:“年轻的投资者有很大机会利用到复利。”

      she says a millennial who invests $100 a month and generates a 12 percent average rate of return from holding investments long term could have a portfolio worth nearly $2.4 million by age 65. 她说,千禧一代每月投资100美元,并且通过持有长期投资获得12%的平均回报率,到65岁时可以获得价值近240万美元的投资获利。


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