受生活成本不断攀升、高通胀、债务问题的持续影响，美国年轻人的财务状况正面临前所未有的挑战。储蓄与投资应用程序Acorns发布的《2024金钱问题报告》显示，美国年轻人对他们的财务状况非常不安，约三分之一的Z世代和千禧一代年轻人（分别为 29% 和 32%）担心当前财务状况或让他们无家可归，这一比例几乎是婴儿潮一代和年长受访者（11%）的三倍。文章摘编如下：
Acorns, a leading saving and investing app, released its 2024 Money Matters Report, shedding light on the current financial concerns gripping Americans. The report reveals approximately a third of Gen Z and Millennials (29% and 32% respectively) responded that they fear their financial situation could lead to experiencing homelessness, which is nearly three times more than Boomers and older respondents (11%).
行业领先的储蓄和投资应用Acorns发布了《2024年金钱问题报告》，揭示了当前困扰美国人的财务问题。报告显示，大约三分之一的Z世代和千禧一代年轻人（分别为29%和32%）表示，他们担心自己的经济状况可能导致无家可归，这几乎是婴儿潮一代和老年受访者（11%）的三倍。
The major drivers behind this fear, and the top three biggest financial concerns among adults, are cost of living, inflation and debt. Additionally, over a quarter of Americans surveyed (27%) have never had an emergency fund.
这种担忧背后的主要原因是生活成本、通货膨胀和债务，它们也是成年人最关心的三大财务问题。此外，超过四分之一的受访美国人（27%）从未准备过应急基金。
Noah Kerner, Acorns CEO, explains that this fear is understandable. “If you’re afraid you might lose your job, or not make enough income to combat inflation, and can’t borrow money at reasonable rates, then it doesn’t seem out of bounds to be worried about not having a home.”
Acorns首席执行官诺亚·克纳解释说，人们的担忧是可以理解的。“如果你担心自己可能会失业，或者没有足够的收入来对抗通货膨胀，并且无法以合理的利率借钱，那么担心没有房子住似乎并不过分。”
In fact, The Department of Housing and Urban Development (HUD) counted 653,104 homeless Americans in its 2023 point-in-time report, which measures homelessness across the US on a single night each winter. That's a 12.1% increase from the same report in 2022.
事实上，美国住房与城市发展部（HUD）发布的2023年时间点统计报告显示，美国有653104名无家可归者，该报告衡量了美国每年冬天一个晚上的无家可归者情况。这一数字比2022年增长了12.1%。
According to the report, these anxieties will continue to loom, with only 35% of those surveyed projected that they would be more financially secure next year than they are currently, while most people (44%) expect their financial security to be about the same.
根据Acorns的报告，这些财务焦虑将继续显现，只有35%的受访者预计他们明年的经济状况将比目前更安全，而大多数人（44%）预计他们的经济安全状况会大致相同。
来源：Forbes
编辑：董静
审校：万月英 陈丹妮
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