楼主:
arrenwu (键盘的战鬼)
2025-10-27 13:57:36※ 引述《kctrl (小瓜呆)》之铭言：
: 推 marx93521: 没闲钱又不敢开杠杆的我就只能每天多赚杯饮料钱 10/27 13:07
我不太清楚你的经济情况，
但你讲的这个让我想到最近一篇纽约时报关于贫富差距感受的文章
America Has Never Been Wealthier.
Here’s Why It Doesn’t Feel That Way.
Link: https://nyti.ms/4hNuMc9
这篇主旨就像标题写的：
美国的经济从没有这么好过，为什么大家好像不是这样感觉呢？
House-Rich(er), Cash-Thin(ner)
Home prices have boomed since 2020. And about half the net worth of the less
wealthy 50 percent is in real estate. But the major boost in home prices
experienced by owners in this half of the population has often not been felt.
For one, a higher home appraisal cannot cover higher grocery bills. And with
interest rates high and housing scarce, it is often infeasible to buy a first
home or move to another one.
房价从2020年开始飞涨。
而通常身价低于整体PR50的人，房子的价值大概占他们净身家的一半。
所以比例来看，房价的成长对这些人来说应该很有感。
但没那么有感的原因是：
1. 高房价没办法cover你的日常购物
2. 因为房价高涨，购买新房或搬入新房变得更困难
在不卖出房产的情况下，房价的高涨不会提升生活品质。
至于流动资产部分
Part of the disconnect may stem from the tendency among economists to track
income progress primarily through percentage change rather than dollar
amounts.
Even when inflation was peaking around 9 percent and diluting income growth,
Ms. Hsu explained, “a 10 percent boost to middle and especially higher
incomes is money that feels real, like you can do something with it.”
For someone making $100,000, that means a $10,000 raise. But a 10 percent
increase at the bottom, perhaps to an hourly wage of $16.50 from $15, “means
you’re still living hand-to-mouth,” she added.
1. 学者观察到的现象是，近年资产的提升根据百分比而非固定现金额度
(这个我个人猜测可能是因为股市的关系)
2. 即便通膨严重的时候，一个赚10万镁的人，
增长10% 是1万镁、是很有感的可支配金额的提升；
但如果你是底层打工仔，15镁的时薪变成16.5镁
那你仍然只是刚好能过活而已。
可能有人会觉得“那怎么不把现金拿去买股票、跟着大盘一起成长爽爽爽？”
因为底层打工仔根本没多余的钱买股票 ==