工资应当怎么花？怎么才能存到钱？存款确实有什么用？什么消費才算是聪明的？
这种针对许多 初入职场而言全是很头痛的难题。
外国人对该国的初入职场干了一个调研，统计分析了她们操纵自身收益的方法；假如你已经被这种难题困惑着，比不上先讨论一下她们是怎么控制自己的工资的吧。
Einstein once said that the most powerful force in the universe was compound interest.
牛顿以前说过：宇宙空间中最强劲的能量便是利滚利。
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.
而这些刚开始拿薪水的人，便是最能从那股能量中盈利的人了。可是，大家都知道，这正好便是那群不善于存款的人。并且她们的薪水一般也算不上高。
Here’s how that paycheck gets divvied up across the nation.
下列是一个一般外国人对自身收益的操纵状况：
1. Housing (31.9%)
住宅——占全年收入的31.9%
Among households in this age group, 61% are renting.
在这个年纪的人之中，61%的人是租房子住的。
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.
她们均值每月的房租或住房贷款是894美金（占住宅总开销的60%）。但是显而易见，这一数据伴随着地域不一样而不一样。
The rest of the balance of housing money is devoted to utilities, household supplies, furniture, and appliances.
而住宅开销中剩余的那一部分，用在了水电工程天然气、日用具、家俱和各种各样小物件上边。
2. Transportation (16.3%)
交通出行——占全年收入的16.3%
This includes monthly payments for the purchase of new/used cars, which runs roughly $296 per month.
这包含购车的钱及其购车贷款均值到每月的开销，大约是296美金。（这针对我国的大学毕业生而言不太一样，终究在我国還是以城市公共交通为主导）
Last year, an average of $204 per month was spent on gasoline.
上年，在车用汽油上的均值开销是204美金。
The rest is used on maintenance, insurance, and “other vehicle expenses.”
别的的一部分花在了维护费、商业保险及其别的交通出行开销上。
3. Healthcare (4.9%)
身心健康——占全年收入的4.9%
Here’s where it really pays to be young.
这就是年青真实的益处。（身心健康层面能够少掏钱）
Healthcare spending is one of the only categories that consistently inches upward throughout life.
健康是**一个伴随着年纪提高而开销增大的类别。
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.
而这里边的70%是花在了健康险上边，因此 大部分能够说成用人公司遮盖了里边的绝大多数。（在我国的广泛状况便是企业交掉一半）
4. Food (12.1%)
饮食搭配——占全年收入的12.1%
Typically, 45% is spent on eating out.
一般来讲，这在其中的45%是花在了就餐上边。
Meats, fish, eggs, fruits, and vegetables make up over 40% of the money that is spent monthly for food at home.
而在家里吃的那一部分开销里，肉、鱼、生鸡蛋、新鲜水果、蔬菜水果等食物占有了40%。（剩余的可能是零食吧）
5. Entertainment (4.4%)
游戏娱乐——占全年收入的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.
反复想一下得话，游戏娱乐的开销能够和身心健康开销相等，還是一件挺划得来的事。
I should note that these figures include the costs of pets, TVs, hobbies, and any type of event you might attend.
我想强调，这些开销包含了小宠物、电视机、个人爱好及其别的一切你很有可能参加的主题活动。
6. Pensions and Social Security (9.8%)
个人社保、养老保险金——占全年收入的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.
大家最后会搞清楚的，尽管这种物品之后的使用价值会降低，但个人社保在你退居二线以后還是至关重要的。（在我国，这些一般是企业在发工资前就代交社保了，而企业压力在其中绝大多数）
7. Education (2%)
文化教育——占全年收入的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.
很多人都感觉这一部分应当高些一些。终究，大学毕业仅仅一个新环节的刚开始。你的职业发展才不久发展，假如你要涨薪得话，也有许多专业技能得学。
8. Other (9.3%)
别的——占全年收入的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.
这一部分包括许多 类别：服饰、酒、本人护理用品、烟、慈善捐助乃至抚养费。把他们所有加起來便是你能自由支配的那一部分了。（能存出来的*值）
That leaves the average household of 2 people with $423 per month.
这针对一般的家中（几口人）而言，便是每月423美金（折合rmb2800元）
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.
这对你来说很有可能算多，也很有可能算少。但是且使我们用不疾不徐的角度讨论一下，这等同于每一年5076美元（折合rmb3400零元）。
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 come retirement time.
如果我们假定，一对三十岁的夫妇，每月能存到这么多钱，一直存到67岁退居二线，随后假定她们的投资收益率是9%（恰好小于股市历史时间收益率的均值），再算上通胀，那她们在退居二线的情况下便会有一笔484,000美金的財富（折合rmb326万余元）。
Obviously, not everyone who reads this will represent the “average” household for this age group. There’s tons of variability.
但是显而易见，并并不一定读本文的人都正好是这一年龄层中的平均，自变量是十分多的。
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.
但撇开一切不谈，最重要的一点提议是：假如你要给你的存款充分发挥较大 的使用价值，你应该主要在住宅、交通出行、饮食搭配这三个大部分上边省吃俭用。
大量有关英语基础知识，请关心美联英语官方网站。假如你一直在学习英语中碰到了艰难，还可以寻求英语培训学校教师的协助哦~
