入不敷出! 美國42州平均收入低於生活成本!

The economy may be booming and unemployment is reaching record lows, but America remains an unaffordable place to live in many parts of the country due to stagnant wages and rising housing costs.

美國經濟或許正在蓬勃發展，失業率也創下新低，但是由於工資常年沒有增加、住房成本不斷上漲，大部分地區的居民都面臨着過重的生活負擔。

In fact, the actual cost of living surpasses the median income earned in 42 U.S. states, according to a new analysis by GOBankingRates.

事實上，根據個人理財網站GOBankingRates的一項新分析，全美有42個州的生活成本遠遠高於平均收入水平。

"What's scary is the macro trend," said Andrew DePietro, a research and data analyst for GoBankingRates.

GOBankingRates研究和數據分析師安德魯·德皮羅就此指出：“這一宏觀趨勢令人擔憂。”

"It's matching up with real life news, which is that the cost of living is getting to the point nationally where it's just bad in the majority of places," he told . "It's mainly due to wages stagnating and housing costs going up across the country."

他向《每日郵報》透露：“這與現實生活中的新聞是一致的，那就是生活成本在全國範圍內已經達到了一個臨界點，大多數城市的生活都很糟糕。這主要是因爲工資停滯不前，各地的房價都在上漲。”

The personal finance site calculated the cost of living in all 50 states and compared it with the median income, revealing that Hawaii is the most unaffordable place to live in America.

這家個人理財網站對全美50個州的生活成本進行了計算，並將這些數據與各州的平均收入進行了比較，結果顯示夏威夷的情況最糟糕。

Experts reached that conclusion based on the 50-30-20 budgeting rule, which dictates half of your income should go toward bills, rent and necessities like groceries, while 30 percent should be spent on discretionary spending or splurges and the remaining 20 percent would go toward savings.

專家依據50-30-20預算法進行了計算，根據該規則，收入的50%應用於支付賬單、租金和一些生活必需品，30%可用於自由支配，剩下20%則用來儲蓄。

Based on that premise, the cost of living for a household of one to two people in Hawaii is $111,892, while the average income is $71,977 -- a pay gap of nearly $40,000. Experts said that makes the Aloha state unaffordable even for people who choose to avoid saving any income at all.

基於這個前提，夏威夷州一戶只有一到兩人的家庭，生活成本高達111892美元，而每戶家庭的平均收入只有71977美元，兩者之間的缺口高達近4萬美元。專家指出，即便是這些夏威夷人不存錢，也很難負擔起如此高的生活成本。

Oregon was the second most unaffordable state, with a $24,808 difference between the median income of $53,270 and the $84,685 cost of living.

俄勒岡州是情況第二糟糕的州，這裏的家庭平均收入是53270美元，生活成本是84685美元，缺口達到24808美元。

California followed, with a $20,902 pay gap, based on the state's $63,783 median income and an $84,685 cost of living.

緊隨其後的是加利福尼亞州，該州家庭平均收入是63783美元，生活成本是84685美元，相差20902美元。

New York ranked fourth with an $80,420 cost of living and a median income of $60,741 for an affordability gap of $19,679. Maine came in fifth place, with a median income of $50,826 and a $69,850 cost of living for a $19,024 affordability gap.

紐約州排名第四，家庭平均收入60741美元，生活成本是80420美元，相差19679美元。緬因州排名第五，家庭平均收入50826美元，生活成本是69850美元，相差19024美元。

At the other end of the spectrum, eight states actually had median incomes higher than the cost of living, with Virginia ranking most affordable in the nation.

而在另一個極端，有8個州的平均收入要高於生活成本，其中弗吉尼亞州排名第一。