\u6839\u636e\u5206\u6790\uff0c\u5c4a\u4e34\u9000\u4f11\u5e74\u9f84\u7684\u7f8e\u56fd\u6c11\u4f17\u8d22\u5bcc\u72b6\u51b5\u53ef\u5206\u6210\u516d\u4e2a\u7b49\u7ea7\uff0c\u800c126\u4e07\u5143\u5219\u662f\u4fdd\u969c\u8212\u9002\u665a\u5e74\u751f\u6d3b\u7684\u201c\u795e\u5947\u6570\u5b57\u201d\u3002(\u7f8e\u8054\u793e)<\/p>\n\n\n\n
\u6587\u7ae0\u6765\u6e90:\u00a0\u4e16\u754c\u65b0\u95fb\u7f51\u00a0\u2013 \u65b0\u95fb\u53d6\u81ea\u5404\u5927\u65b0\u95fb\u5a92\u4f53\uff0c\u65b0\u95fb\u5185\u5bb9\u5e76\u4e0d\u4ee3\u8868\u672c\u7f51\u7acb\u573a\uff01<\/p>\n\n\n\n
\u7406\u8d22\u673a\u6784\u201c\u897f\u5317\u4e92\u60e0\u201dNorthwestern Mutual\u8c03\u67e5\u5206\u6790\uff0c\u9000\u4f11\u5e74\u9f84\u7684\u7f8e\u56fd\u6c11\u4f17\u8d22\u5bcc\u72b6\u51b5\u53ef\u5206\u6210\u516d\u79cd\u7b49\u7ea7\uff0c\u800c126\u4e07\u5143\u5219\u662f\u4fdd\u969c\u8212\u9002\u665a\u5e74\u751f\u6d3b\u7684\u201c\u795e\u5947\u6570\u5b57\u201d\u3002<\/p>\n\n\n\n
\u7f8e\u56fd\u6c11\u4f17\u5e73\u5747\u9000\u4f11\u5e74\u9f84\u4e3a66\u5c81\uff0c65\u5c81\u4ee5\u4e0a\u6c11\u4f17\u53ef\u4ee5\u53c2\u52a0\u4fd7\u79f0\u7ea2\u84dd\u5361\u7684\u8054\u90a6\u533b\u7597\u4fdd\u9669\u8ba1\u5212(Medicare)\uff0c\u201c\u897f\u5317\u4e92\u60e0\u201d\u8c03\u67e5\u4ee565\u5c81\u523069\u5c81\u5e74\u9f84\u6c11\u4f17\u5bb6\u5ead\u51c0\u8d44\u4ea7\u4e3a\u7814\u7a76\u6807\u7684\uff1b\u51c0\u8d44\u4ea7\u7684\u5b9a\u4e49\u662f\u6240\u6709\u8d44\u4ea7\u6263\u9664\u8d1f\u503a\u4e4b\u540e\u7684\u4f59\u989d\u3002
\u6839\u636e\u8054\u51c6\u4f1a2022\u5e74\u6d88\u8d39\u8005\u8d22\u52a1\u8c03\u67e5(Survey of Consumer Finances)\u6570\u636e\uff0c\u201c\u897f\u5317\u4e92\u60e0\u201d\u5c06\u5c4a\u4e34\u9000\u4f11\u5e74\u9f84\u5bb6\u5ead\u8d22\u5bcc\u5206\u6210\u516d\u4e2a\u7b49\u7ea7\uff1a<\/p>\n\n\n\n
1.\u8d22\u52a1\u8106\u5f31(Financial vulnerable)\uff1a\u5bb6\u5ead\u51c0\u8d44\u4ea76\u4e079500\u5143\u4ee5\u4e0b<\/p>\n\n\n\n
\u540c\u9f84\u65cf\u7fa4\u76f8\u8f83\uff0c\u5bb6\u5ead\u51c0\u8d44\u4ea76\u4e079500\u5143\u4ee5\u4e0b\u6c11\u4f17\u4f4d\u5c45\u8d22\u5bcc\u6392\u884c\u699c\u6700\u540e25%\uff0c\u9ad8\u5ea6\u4f9d\u8d56\u793e\u4f1a\u5b89\u5168\u7f51\u8ba1\u5212\u4f8b\u5982\u793e\u5b89\u91d1\u3001\u7ea2\u84dd\u5361\u8fc7\u65e5\u5b50\uff0c\u7981\u4e0d\u8d77\u8d22\u52a1\u51b2\u51fb\u3002<\/p>\n\n\n\n
2.\u4e2d\u4e0b\u9636\u7ea7(Lower middle class)\uff1a\u5bb6\u5ead\u51c0\u8d44\u4ea76\u4e079500\u5143-39\u4e074300\u5143<\/p>\n\n\n\n
\u6839\u636e\u8054\u51c6\u4f1a\u6570\u636e\uff0c65\u5c81\u81f369\u5c81\u6c11\u4f17\u5bb6\u5ead\u51c0\u8d44\u4ea7\u4e2d\u4f4d\u6570(median net worth)\u4e3a39\u4e074000\u5143\u3002\u8fd9\u4e2a\u65cf\u7fa4\u867d\u4e0d\u81f3\u4e8e\u8d22\u52a1\u8106\u5f31\uff0c\u4f46\u8ddd\u79bb\u8212\u9002\u8fc7\u9000\u4f11\u751f\u6d3b\u5374\u6709\u9065\u8fdc\u8ddd\u79bb\uff0c\u5fc5\u987b\u7cbe\u6253\u7ec6\u7b97\u63a7\u5236\u5bb6\u8ba1\u3002<\/p>\n\n\n\n
3.\u7a33\u56fa\u4e2d\u4ea7\u9636\u7ea7(Solidly middle class)\uff1a\u5bb6\u5ead\u51c0\u8d44\u4ea739\u4e074300\u5143-116\u4e07\u5143<\/p>\n\n\n\n
\u8fd9\u4e2a\u533a\u6bb5\u7684\u6c11\u4f17\u5728\u540c\u9f84\u65cf\u7fa4\u8d22\u5bcc\u6392\u884c\u699c\u4f4d\u4e8e\u4e2d\u4e0a\u6bb5\u768450%\u523075%\u4e4b\u524d\uff0c\u751f\u6d3b\u8f83\u4e3a\u8212\u9002\uff0c\u4f46\u5982\u679c\u7edd\u5927\u591a\u6570\u8d44\u4ea7\u90fd\u7ed1\u5728\u4e0d\u52a8\u4ea7\uff0c\u4f8b\u5982\u623f\u5c4b\u6216\u79c1\u4eba\u751f\u610f\uff0c\u5c31\u5fc5\u987b\u4e3a\u665a\u5e74\u751f\u6d3b\u5f00\u8f9f\u73b0\u91d1\u6536\u5165\u6765\u6e90\uff0c\u4e5f\u8981\u7ef4\u6301\u4fdd\u5b88\u7684\u82b1\u94b1\u4e60\u60ef\uff0c\u4ee5\u514d\u9000\u4f11\u8d44\u91d1\u7528\u7f44\u3002<\/p>\n\n\n\n
4.\u4e2d\u4e0a\u9636\u7ea7(Upper middle class)\uff1a\u5bb6\u5ead\u51c0\u8d44\u4ea7116\u4e07\u5143-290\u4e07\u5143<\/p>\n\n\n\n
\u4f4d\u4e8e\u8fd9\u4e2a\u533a\u6bb5\u7684\u6c11\u4f17\u7b97\u662f\u201c\u6b63\u5f0f\u5c5e\u4e8e\u4e2d\u4e0a\u9636\u7ea7\u201d\uff0c\u6709\u53ef\u80fd\u8fbe\u6210\u4e86\u5bf9\u7edd\u5927\u591a\u6570\u7f8e\u56fd\u4eba\u6765\u8bf4\u80fd\u8fc7\u8212\u9002\u9000\u4f11\u751f\u6d3b\u7684\u201c\u795e\u5947\u6570\u5b57\u201d\u76ee\u6807\u3002\u4e2d\u4e0a\u9636\u7ea7\u51e0\u4e4e\u53ef\u4ee5\u786e\u5b9a\u8fc7\u7740\u8212\u9002\u9000\u4f11\u751f\u6d3b\uff0c\u4f46\u53ef\u80fd\u9677\u5165\u751f\u6d3b\u578b\u6001\u901a\u81a8(lifestyle inflation)\u3001\u4ea7\u751f\u4e0d\u5fc5\u8981\u7684\u6325\u970d\uff0c\u8d22\u52a1\u5b89\u5168\u53d7\u5230\u7834\u574f\u3002<\/p>\n\n\n\n
5.\u5bcc\u88d5(Affluent)\uff1a\u5bb6\u5ead\u51c0\u8d44\u4ea7290\u4e07\u5143\u4ee5\u4e0a<\/p>\n\n\n\n
65\u5c81\u81f369\u5c81\u6c11\u4f17\u5728\u540c\u9f84\u65cf\u7fa4\u8d22\u5bcc\u6392\u884c\u6700\u524d\u6bb510%\uff0c\u53ef\u4ee5\u79f0\u4e3a\u5bcc\u88d5\u5bb6\u5ead\u3002\u8fd9\u4e9b\u9000\u4f11\u65cf\u7ecf\u5e38\u662f\u94f6\u884c\u5bb6\u3001\u5f8b\u5e08\u3001\u4f01\u4e1a\u603b\u88c1\u6216\u4f01\u4e1a\u8d1f\u8d23\u4eba\uff0c\u4e60\u60ef\u4e8e\u9ad8\u6d88\u8d39\u751f\u6d3b\uff0c\u82b1\u94b1\u4e0d\u53d7\u9650\u5236\u3002\u5982\u679c\u8981\u8fdb\u5165\u8fd9\u4e2a\u533a\u6bb5\uff0c\u5fc5\u987b\u957f\u5e74\u52aa\u529b\u50a8\u84c4\u3001\u5ba1\u614e\u6295\u8d44\u3002<\/p>\n\n\n\n
6.\u9876\u7aef1%(Top 1%)\uff1a\u5bb6\u5ead\u51c0\u8d44\u4ea72170\u4e07\u5143\u4ee5\u4e0a<\/p>\n\n\n\n
\u540c\u9f84\u65cf\u7fa4\u53ea\u67091%\u5bb6\u5ead\u51c0\u8d44\u4ea7\u8fbe\u52302170\u4e07\u5143\u4ee5\u4e0a\u3002\u8fd9\u4e9b\u9876\u7aef\u6c11\u4f17\u5bf9\u9000\u4f11\u751f\u6d3b\u7684\u8003\u91cf\u91cd\u70b9\u901a\u5e38\u5728\u4e8e\u8d22\u4ea7\u5206\u914d\u3001\u5982\u4f55\u8282\u7a0e\u4ee5\u53ca\u9057\u4ea7\u5b89\u6392\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"
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