Re: [閒聊] 現在股民是韭留美什麼階段

※ 引述《kctrl (小瓜呆)》之銘言：
: 推 marx93521: 沒閒錢又不敢開槓桿的我就只能每天多賺杯飲料錢 10/27 13:07我不太清楚你的經濟情況，
但你講的這個讓我想到最近一篇紐約時報關於貧富差距感受的文章
America Has Never Been Wealthier.
Here’s Why It Doesn’t Feel That Way.
Link: https://nyti.ms/4hNuMc9

這篇主旨就像標題寫的：
美國的經濟從沒有這麼好過，為什麼大家好像不是這樣感覺呢？

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 firsthome or move to another one.

房價從2020年開始飛漲。
而通常身價低於整體PR50的人，房子的價值大概佔他們淨身家的一半。

所以比例來看，房價的成長對這些人來說應該很有感。
但沒那麼有感的原因是：
1. 高房價沒辦法cover你的日常購物
2. 因為房價高漲，購買新房或搬入新房變得更困難

在不賣出房產的情況下，房價的高漲不會提升生活品質。

至於流動資產部分

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. 學者觀察到的現象是，近年資產的提升根據百分比而非固定現金額度
(這個我個人猜測可能是因為股市的關係)

2. 即便通膨嚴重的時候，一個賺10萬鎂的人，
增長10% 是1萬鎂、是很有感的可支配金額的提升；

但如果你是底層打工仔，15鎂的時薪變成16.5鎂
那你仍然只是剛好能過活而已。

可能有人會覺得「那怎麼不把現金拿去買股票、跟著大盤一起成長爽爽爽？」
因為底層打工仔根本沒多餘的錢買股票 ==

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角卷綿芽超Big！絨毛玩偶
https://pbs.twimg.com/media/G2-vw-0bwAANWr1.jpg

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怎麼說？ 我覺得中產還是很多啊？ 工程師就算是中產階級吧？

401k 帳面爽歸爽，但很多人還拿不到啊XD

這篇講的美國的問題比較是「不平衡」。 不過我覺得健康保險也是另外一個問題就是了

打工仔的稅率區間應該不會太高啦

物價有高那麼多嗎？