未登录,请登录后再发表信息
最新评论 (0)
播放视频

在美国,出生就基本决定了你这辈子的富裕程度了

Why You Will Never Be Rich

富有会使你幸福吗?
Does being rich make you happy?
这是个价值百万的问题
That ’ s the billion-dollar question,
大部分有关专家认为
but most experts on the matter agree that having
富有会带来一定程度的自由和安全感
certain freedoms and securities that come
而这的确会提高
with having lots of money does indeed improve
我们的幸福程度
our feeling of well-being.
心理学家Daniel Kahneman和经济学家Angus Deaton认为
Psychologist Daniel Kahneman and economist Angus Deaton concluded
一旦你的年收入
that once you have
超过75000美元
an income of over $ 75,000 a year,
你并不一定会因为有更多的钱而感到快乐
you won ’ t necessarily get happier with even more cash,
因为真正有助于维持
because it ’ s the safety net and
一定程度的幸福的是
opportunities afforded to people that really help maintain
富有带来的安全网和机遇
some level of happiness.
贫乏的人生总是充满着恐惧、挫折、苦闷而单调的工作
A life of penury is often full of fears, set-backs, drudgery,
并且不得不一直面对
and having to see all the time all
得不到想要的东西的窘境
the things you can’t have.
但是 有个叫做伊斯特悖论的理论
But then something called the Easterlin
告诉我们尽管富人比穷人幸福
paradox tells us while rich folks are happier than
富有的国家却不一定比贫穷的国家幸福
poor folks, rich countries are not necessarilyhappier than poor countries.
今天
Today we ’ ll explore this,
跟着Infographics Show的本期视频-为什么你永远富不起来
in this episode of the Infographics Show, Why You Will Never
我们将一探究竟
Be Rich.
别忘了订阅我们的频道和按下面的按钮
Don ’ t forget to subscribe and click the bell button
这样你就能及时收到
so that you can be part of our
我们的消息 那么
Notification Squad. So,
你有多大可能一夜暴富呢?
what are your chances of becoming rich?
在回答这个问题之前
Before we answer that,
我们得知道你有多少钱才能被称为富有
we need to know how much money you need to be considered rich.
这显然和各个国家的发展水平息息相关
This is obviously relative to every country,
有人会认为 如果你的银行账户里有一百万美元
but one would think if you have a million
你可以被认为是个富人 但是
dollars in your bank account, you can sayyou are rich. However,
似乎人们并不是总是这么想的
it seems people don’t always thinkthis way.
2013年 投资银行UBS的一份报告说
In 2013, a report by investment bank UBS stated
在拥有一到五百万资产的富人中
that only 28 percent of people with $ 1- $ 5
只有28%的人觉得自己富有
million thought they were rich.
令人更吃惊的是 身价超过五百万的人中
Even more surprising was that only three out
五个人之中只有三个人
of five people with more than $ 5 million thought
认为自己十分富有
they were rich.
这份报告关注的是资产 而不是手头的现金 然而
The report focused on assets, not cash inhand. Still,
谁能想到 即使资产超过五百万
who would have thought with over five million bucks
许多人仍不认为
in assets, many people wouldn ’ t
自己是富有的
consider themselves rich.
讨论各个国家的相对财富水平是
It would be quite confusing to talk about relative wealth
令人费解的 我们还是
in every country, so let ’ s
关注美国吧
stick with the United States.
在美国有超级富豪
There we have the mega-rich,
563位亿万富翁 还有许多低调的旧富
the 563 billionaires, but we also have a lot of just plain old rich.
至于百万富翁
As for millionaires in the country,
一份世卫组织的报告告诉我们 2016年美国有480万
a World Health report told us there were 4.8 million
百万富翁
of them in 2016.
这之中许多人可能并不认为自己很富有
Many of those may not consider themselves rich,
但我们都会说他们
but many of us would say they are doing
很有钱了
pretty well.
根据美国人口调查局的调查 美国35岁公民
The U.S. Census Bureau states that median net worth
拥有的财富的平均净值大约是
of a 35-year-old in the USA is about
35000美元
$35,000.
财富会随年龄增加 在55岁到64岁间 大约是150000美元
It goes up with age, and from 55-64 it’salmost $150,000.
在65-69岁时 达到峰值 仅比195000美元低一点
It peaks at 65-69 at just under $195,000.
我们不能说这些人是富有的
We couldn’t say these people are rich.
甚至是前10%都称不上富有
Even the top 10 percent might not be consideredrich.
根据国税局报告
The Internal Revenue Service reports
美国前10%的收入者的
that the average household income for the top 10
平均家庭收入是295845美元
percent of U.S. earners is $295,845.
而前5% 是350870美元
For the top five percent, it’s $350,870.
前1%的平均收入超过了一百万美元
The average for the top one percent is well over one million dollars.
为了论证
For argument ’ s sake,
我们姑且认为 如果你是前5%的人 那你就是富有的
let us say that if you are in that top five percent you are rich,
不管你自身的想法
never mind what you think of yourself.
要想达到这个级别有多难呢
How hard is it to get into that bracket?
事实上是非常难的
It ’ s actually quite hard,
特别是以钱赚钱要简单得多 而不幸的是
given that money often begets money, and unfortunately breaking
想脱贫就没这么容易了
out of poverty is no easy task.
有句谚语说
There is an old saying that goes,
富的富死 穷的穷死
“ The rich get richer and the poor get poorer. ”
但你想过这意味着什么吗
But what does this mean?
对于社会新人来说 赚大钱的人往往都有大学学历
For starters, most people who earn the big money have a university education.
你会从我们其他关于财富的节目中了解到
As you ’ ll know from our other money-focused shows,
许多科技大佬大学都退学了
many tech entrepreneurs drop out of university,
但他们中许多人
but most of them grew up
出生于富贵人家 他们的原生家庭能够提供
in affluent families where they were afforded all kinds
穷人所没有的各种便利和机遇
of comforts and opportunities poor peopleare not.
在Malcolm Gladwell的书《异类:不一样的成功启示录》中
In Malcolm Gladwell ’ s book, “ Outliers ”,
他指出完全靠自身的百万富翁
he points out that there are no self-made
并不存在
millionaires.
大部分人是过程中运气比较好
Most people were helped with luck on the way,
而这个运气好指支持的父母
and often this luck meant supportive parents,
良好的教育和深植于心的
good schooling, and having fostered in them
可以随心所欲的意识
that they can do anything they want.
看我们的其他节目你也会知道
You ’ ll also know from watching our other shows
富裕程度对你的受教育程度
that there is a direct affect on how
有直接的影响
much money you have, to how far you go ineducation.
根据你读的内容数据会有所不同
Statistics differ depending on what you read,
但普遍认为大约30%的
but it ’ s thought that around 30 percent
25岁以上的美国人
of Americans over the age
有本科或者硕士学位
of 25 have a bachelor ’ s or master ’ s degree.
The Atlantic杂志告诉我们多于70%的
The Atlantic tells us that more than 70 percent
顶尖高校学子
of those that went to the top universities
来自于美国最富裕的家庭
came from America’s wealthiest families.
毫无疑问 这些人没有还学生贷款的压力
These guys will no doubt have no problems paying off their student debt,
如果他们申请了
if they had
学生贷款的话
student debt.
2017年 根据福布斯报告
In 2017, Forbes reported that the Class
2016级学生背负着37172美元的学生贷款债务
of 2016 had $ 37,172 in student loan debt.
如果你不是出生于富裕家庭
If you are not from a wealthy family,
你在刚刚起步的时候就已经在
then you are already struggling just when you get
挣扎了 所以
going. So,
如果你来自贫困家庭 你要
how do you get rich when you come
如何变得富有 考虑到你可能
from meagre beginnings, given that you might have
只受过基本的教育或是
had only a basic education or
你的教育成了沉重的经济负担 仍然
that your education became a financial albatross around your head. Still,
回到2012
back in 2012,
Gallup的一份问卷调查显示 28%的美国人期待在生命的某一阶段
a Gallup poll revealed that 28 % of Americans expected to get rich
变得富裕
at a time in their lives.
想法很积极
That ’ s positivity for you,
但这片土地充满了土生土长的美国梦想者
but this is a country full of natural born American dreamers.
很多人会铩羽而归
Many will be disappointed,
特别是如果我们意识到约有60%的美国人的
especially if we realize that about 60 percent of American
财富是继承的
wealth is inherited.
这意味着想要
That means that those hoping to get
挤进前5%的人不得不和
into the five percent already have to contend with
早已在5%的人竞争
those already in the five percent.
看起来这些人似乎也没什么进展
It seems they are not making much headwayeither.
Evonomics的一篇文章告诉我们 “富人赚钱越来越多 越来越快”
An article in Evonomics tells us that “ The rich are getting richer, faster.“
同时
At the same time,
穷人和中产阶级却寸步不前
the poor and middle classes are not going anywhere fast.
“因为财富会带来更多财富
“ Because wealth begets more wealth,
这是不变的定律“ economics的网站
it ’ s a self-perpetuating picture, ” said the economics
上写道
website.
富裕家庭往往有钱万事不愁
Wealthy households usually hang on to their wealth,
而低收入家庭面临着
whereas less wealthy households face
各种各样的困境
all manner of dilemmas.
2017年 CNBC写道 美国家庭平均拥有8377美元的负债
In 2017, CNBC wrote that the average American family owes $ 8,377,
这意味着 你将
and that means you ’ ll
为之付利息
be paying off interest on that.
有钱人买东西大部分时候是全额购买
Rich folks buy their goods outright for the most part,
而作为一个穷人你
and so as a poor person you are
得不停地交租借费
continually being faced with borrowing fees.
当你挣扎着付全款的时候
When you are struggling to pay for things outright,
你是借方 也是
you are prey not only to lenders
整个系统的猎物
but to the system.
你们有人看了Last Week Tonight上
Did any of you watch John Oliver
John Oliver的表演了吗 他在节目上揭示了现实生活中有多少美国人
on Last Week Tonight when he showed how many Americans
因为市政违法行为而入狱
actually end up in jail for municipal violations.
这是真的 你付不起停车费
That ’ s right, when you can ’ t pay a parking ticket,
你就可能入狱
things can just pile up.
时代杂志指出 当你富有时
As Time magazine pointed out, when you are wealthy,
即使你违法了也没什么事 但是当
a violation is no big deal, but when
你是个穷人 罚单都能毁了你的生活
you are poor “tickets can wreck your life.”
因为未能及时还款 附加费用顷刻即至
For not paying immediately, additional fees arrive,
如果你还付不起罚款
and then if you can ’ t pay the fine you,
你就会被关起来
could be locked up.
如果你需要个律师 而你是个穷人
If you ever need a lawyer and you are poor,
你雇不到一个尽职尽责为你
you won ’ t be able to hire yourself someone
辩护的人
totally dedicated to you,
而好的辩护人也是富人能够摆脱麻烦的一个原因
which is one reason why rich people can get away with things.
在医疗方面也是一样的
We could say the same about medical treatment.
如果你过着仅能糊口的日子 付不起保险
If you live hand to mouth and can ’ t afford insurance,
但需要医学观察
but need medical attention, that
账单会毁了你的人生
bill could ruin your life.
疾病会花光你为
Being sick could take all the money you
孩子上大学留的钱
’ d saved to send your child to college.
生病 无论是生理上还是心理上
Being sick, physically or mentally,
都很有可能发生(毁了你的人生) 考虑到你买不起
could be on the cards given you might not be able
营养品、天然食物
to afford nutritious, naturally grown foodsfor every meal.
贫穷加上疾病在美国就是个金钱陷阱
Poor and sick in America is an endless moneypit.
一份健康杂志报道 在美国
One health journal stated that in the USA,
38.2%的穷人处在
38.2 percent of poor people are in “ fair
“亚健康或不健康”的状态 而同样的数据在富人阶级是12.3%
or poor” health, compared to 12.3 percentof the affluent.
一个千禧一代在Highline上的一篇文章中
One millennial writing about how “ screwed ” his generation is,
写道他们这一代人是“多么糟糕”
wrote in an article featured
“我的房租要花掉我一半的收入
on Highline, “ My rent consumes nearly half my income,
从冥王星还是个行星的时候开始
I haven ’ t had a steady job since
我就没有稳定的工作 我的储蓄比
Pluto was a planet and my savings are dwindling faster
婴儿潮出生的人融化极地的冰帽
than the ice caps the baby boomers
还快”
melted.”
这一代人成长的时候
This is a generation that is growing up
媒体告诫他们机器人
when all the media is telling them the robots are
即将降临 自动化会抢走你的工作
coming and automation will take all the jobs.
如果你很富有
If you ’ re rich,
有可能你会有铁饭碗 或者雇机器人的
it ’ s likely you ’ ll find those niche jobs, or your family will own
公司就是你家的
the company that employs the robots.
这一代人的学生贷款比
This is a generation that has around 30
父母辈多大约30%
percent more student debt than its parents did, and
而那代人足够幸运能够上大学
those are the ones fortunate enough to havegone to college.
这一代人有房的概率也只是
People born in this generation are also half as likely
父母辈的一半
as their parents ever to own a house.
美国梦的口号可能只是一个传说
The American Dream may just be a myth,
因为财富不会往下层阶级流动
as money doesn ’ t always trickle down,
而向上游也并不会和人们想的一样简单
and swimming upstream isn’t as easy as people may haveonce thought.
伊利诺伊大学的学者在2015年发现
Researchers at the University of Illinois found in 2015 that,
美国正
“ The United States is
面临着工业国家中
faced with record levels of income inequality and one
最严重的收入不平等
of the lowest rates of actual social
和最低的社会流动性
mobility among industrial nations.”
似乎大部分情况下 你就只能困在自己出生的阶级
It seems for the most part you are what you are born to be,
也意味着 富人
and that means the rich stay
还是那么富 大部分普通人都不可能挤进他们的阶级
rich and most of you will not be part of that club. Or,
你想反驳吗
do you disagree?
那请在评论里让我们知道
Please let us know
你为什么不一样以及你为什么一定
in the comments why you will be different and why you will definitely
会暴富 当然
be rich! Also,
一定要看看我们
be sure to check out our
另一个视频—10个惊呆小伙伴的高薪职业
other video called 10 Surprisingly High Paying Jobs!
感谢你的观看
Thanks for watching, and,
不要忘了点赞、分享、订阅
as always, don ’ t forget to like, share, and subscribe.
下回见!
See you next time!

发表评论

译制信息
视频概述

为什么暴富那么难?我们正处于一个阶级固化,流动性越来越小的社会。

听录译者

收集自网络

翻译译者

Aidenlazz

审核员

审核员 D

视频来源

https://www.youtube.com/watch?v=_RzLP4Z4UJQ

相关推荐