近三分之一美國人經濟上入不敷出
Fewer U.S. households are stashing away cash today than during the early stages of the economic recovery.
和經濟復甦初期相比，現在有儲蓄的美國家庭變少了。A new survey released Monday found that only 68% of all Americans are spending less than they earn and saving the difference. That's down from 73% in 2010, the first full calendar year after the recession ended.
週一公佈的一項新調查顯示，在所有美國人中，只有68%的人掙的比花的多，並將沒花完的錢存起來。而在2010年（美國擺脫衰退後的第一個完整日曆年），這一比例爲73%。Some 64% of households have emergency funds, down from 71% in 2010. The survey found 76% are reducing their consumer debt, down from 79% in 2010.
約有64%的家庭有應急基金，該比例低於2010年的71%。調查還顯示，76%的家庭在減少消費債務，2010年這一比例爲79%。
A divide remains along incomes. More than 80% of households earning over $50,000 spend less than they earn. Only about 69% of households making less than $50,000 are able to save.
不同的收入階層，有儲蓄家庭的佔比也存在區別。在年收入超過5萬美元的家庭中，有超過80%的家庭掙的比花的多。而在年收入低於5萬美元的家庭中，只有69%左右的家庭能存下錢。The pattern holds for reducing consumer debt and maintaining an emergency fund. Nearly 90% of households in the top half are reducing their debt or are debt free, and more than 80% have a 'sufficient' emergency fund.
不同的收入階層，減少消費債務和保持應急基金的家庭所佔的比例也存在差別。年收入在5萬美元以上的家庭中，近90%的家庭正在削減債務或是沒有債務，超過80%的家庭擁有充裕的應急基金。Only 78% of those making less than $50,000 are reducing their debt or debt free, while 63% are content with their emergency fund.
而年收入在5萬美元以下的家庭中，只有78%的家庭在削減債務或沒有債務，63%的家庭擁有他們覺得滿意的應急基金。Median household income in the United States in 2012 was $51,017, according to Census Department data.
美國人口普查局(Census Department)的數據顯示，2012年美國家庭收入中值爲51,017美元。'The group hit the hardest by the Great Recession and its aftereffects have been moderate income households,' said Stephen Brobeck, executive director of the Consumer Federation of America. The federation and the American Savings Education Council released the results Monday as part of their campaign to encourage savings.
美國消費者聯盟(Consumer Federation of America)的執行理事布羅貝克(Stephen Brobeck)表示，受經濟大衰退及其餘波打擊最大的是中等收入家庭。美國消費者聯盟和美國儲蓄教育委員會(American Savings Education Council)週一公佈了上述調查結果，以此作爲鼓勵美國人儲蓄的舉措之一。Separate data from the Commerce Department back up the survey data. The personal saving rate--savings as a share of disposable income--was only 3.9% in December 2013, down from 5.8% at the end of 2010.
美國商務部(Commerce Department)公佈的另一項報告也支持了上述調查結果。2013年12月份美國個人儲蓄率僅爲3.9%，低於2010年底時的5.8%。儲蓄率是儲蓄佔可支配收入的比重。Americans have been spending more but incomes have been stagnant, leading to the lower saving rate.
美國人的支出在增加，但收入並沒有增長，這導致儲蓄率下降。
