什么叫可支配收入 美国的职场新人如何支配自己的收入?

美国的职场新人如何支配自己的收入?  

Einstein once said that the most powerful force in the universe was pound interest.
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.
Here's how that paycheck gets divvied up across the nation.
以下是一个普通美国人对自己收入的支配情况：
1. Housing (31.9%)
Among households in this age group
61% are renting.
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.
The rest of the balance of housing money is devoted to utilities
household supplies
furniture
and appliances.
2. Transportation (16.3%)
This includes monthly payments for the purchase of new/used cars
which runs roughly $296 per month.
Last year
an average of $204 per month was spent on gasoline.
The rest is used on maintenance
insurance
and "other vehicle expenses."
3. Healthcare (4.9%)
Here's where it really pays to be young.
Healthcare spending is one of the only categories that consistently inches upward throughout life.
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.
4. Food (12.1%)
Typically
45% is spent on eating out.
Meats
fish
eggs
fruits
and vegetables make up over 40% of the money that is spent monthly for food at home.
5. Entertainment (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.
I should note that these figures include the costs of pets
TVs
hobbies
and any type of event you might attend.
6. Pensions and Social Security (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.
7. Education (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.
8. Other (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.
That leaves the average household of 2 people with $423 per month.
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.
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 e retirement time.
Obviously
not everyone who reads this will represent the "average" household for this age group. There's tons of variability.
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.