When it comes to savings and wealth, digging into national data is one way to put your own finances into perspective. Looking at how Americans are saving, investing, and building financial security can help you see whether you’re on track, spot areas where you might improve, and set realistic goals for the future. Whether you’re curious about how much others keep in savings accounts, what typical retirement balances look like, or how wealth is distributed across the country, these figures tell a story ab ...

The American Dream may be taking its last breaths, according to a new poll from The Wall Street Journal. Nearly 70% of respondents said they believe the dream “no longer holds true or never did.” That’s the highest level of doubt in the survey’s 15-year history [1]. Must Read What’s striking is how broad this pessimism is. It crosses political, class and demographic lines. Men and women reported similar views, as did young and old, high- and low-income earners and those with or without college degrees ...

Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. Hitting a $4 million net worth feels like it should be a once-in-a-lifetime milestone — a number most people never even dream of. And in many ways, it is. But here's the surprise: while $4 million is rare in percentage terms, it's not as lonely as you might think. The Federal Reserve's Survey of Consumer Finances is the gold standard for measuring household wealth in America. It's the dataset economists, a ...

新加坡储蓄习惯变化 - 新加坡人储蓄意愿下降 60%的工薪阶层2024年处于月光状态 高于亚太地区48%的平均水平[3] - 年轻人更倾向于透支消费 20多岁群体为攀比而超支的比例高于其他年龄段[4] - 2021至2024年间 月光族比例从53%升至60% 显示储蓄能力持续恶化[3] 生活成本压力 - 2025年新加坡生活成本指数达85.3 全球第五 亚洲第一 同比上涨11%[6] - 72%受访者将生活成本列为首要担忧 超过医疗和老龄化问题[7] - 组屋转售价2024年上涨9.6% 增速较2023年的4.9%几乎翻倍[9] 收入与消费结构 - 2019-2024年实际收入中位数年均下降0.4% 逆转2014-2019年2.2%的年均增长[8] - BNPL（先买后付）交易额2021年达4.4亿新元 较2020年激增4倍[12] - 电商交易中BNPL占比预计从2023年4%升至2028年6%[12] 代际差异 - 年轻一代更注重即时享受 34岁受访者表示无购房压力时优先消费而非储蓄[15][17] - 中产阶级占月光族咨询客户的60-70% 高收入者仅占20%[13] - 汽车拥车证成本超10万新元 奢侈品消费成为身份象征[11] 结构性因素 - 进口依赖导致通胀与全球联动 疫情期间供应链中断加剧价格压力[10] - 强制公积金(CPF)扣除员工20%薪资 影响可支配收入[17] - 土地稀缺推高房价 80%居民居住的组屋价格持续攀升[9][10]