Ngempela, cishe abantu abayizigidi ezingu-7.1 baseMelika, noma cishe ama-5% wabasebenzi, bahlukanisa isikhathi sabo phakathi kwemisebenzi eminingi kusukela ngo-Ephreli 2015. Abanye abantu abayizigidi ezingu-6.6 base behlala emisebenzini yesikhashana ngemuva kokuhluleka ukuthola umsebenzi ofanele wesikhathi esigcwele. Okwamanje, eziningi zalezi zisebenzi zithembisa ukukhula okuncane noma okungakhokhwa. Ukucwaningwa okwenziwa yi-Pew Trustees Trustees kwatholakala ukuthi isilinganiso semali yasemakhaya sakhuphuka ngo-22% kusukela ngo-1979 kuya ku-1999, kodwa kuphela ngo-2% kusukela ngo-1999 kuya ku-2009, futhi kusukela ngaleso sikhathi kuye kwahluleka ukusuka kubantu abaningi abasebenza.
Ikhasi locwaningo lwezomnotho ka-2012 lathola ukuthi inani elinyukayo lemindeni lingalindela ukuthola inzuzo yokunciphisa imali engama-50% noma ngaphezulu kunoma yimuphi umnyaka oneminyaka emibili. Ekuqaleni kwawo-1970, inani lalingu-7%. Ngasekuqaleni kwawo-2000, le nombolo yayikhule ibe ngu-12%. Ngasekupheleni kwenkinga yezimali ka-2008, yehlile kancane, kwafika ku-10%.
Ucwaningo olwenziwa yiBeral Reserve Board lubonise ukuthi abangu-18% abaphendula ngo-2013 babika imali engenayo ngaphansi kwamazinga abo avamile.
Lokhu kwahlehla kusuka ku-25% ngo-2010, kodwa kusezingeni eliphezulu kunezinga elingakaze lihlasele ngo-14% ngo-2007.
I-JPMorgan Chase Study: Ngokusho kokucwaninga okuphelele kwamakhasimende asebhange angama-100,000 (isampula esivela esisekelweni sayo sabanikazi be-akhawunti abayizigidi ezingu-2.5) eqhutshwa nguJPMorgan Chase, okungenani ama-80% ayenayo imali eyanele yokuphuma ngokuphawulekayo kwenyanga ngayinye ngenzuzo noma izindleko.
Phakathi kwala maklayenti, abanikazi bezindawo ezihlukene futhi ikakhulukazi kubakaki abathola imali engenayo, imali engama-40% yokuthola inyanga ngenyanga kuya kwehla noma ukwanda kwama-30% noma ngaphezulu. Ukwandisa inkinga, ama-60% alawa maklayenti angu-100,000 kwisampuli ye-analytic abhekene nokuhlukahluka kwenyanga kokusetshenziswa kwemali okulingana noma okudlulile ku-30%.
Njengoba kunikezwa ukuthi indlu ejwayelekile engenayo engenayo efundwayo (echazwe lapha ephakathi kuka-$ 40,501 no-$ 63,100 ngonyaka) ingenayo imali engama-$ 3,000 kuphela, imali eningi kakhulu ephansi kakhulu. Umbiko we-JPMorgan Chase ulinganisela ukuthi okungenani i-$ 4,800 iyadingeka ukuze unikeze isikhwama semali esanele uma kwenzeka ikhefu lomsebenzi elingakhokhelwa lihambisana ne-bill enkulu yezokwelapha noma yezemfundo. Kodwa-ke, uma kunikezwa izindleko ezinkulu ezilethwe izibhedlela zokunakekelwa okuncane, ngisho nalesi sibalo sibonakala siphansi kakhulu.
Ngisho nemindeni ephezulu engenayo ekutadisheni inezimali ezincane kakhulu:
- Ukulondolozwa kweMedian okungaphansi kuka-$ 7,000 kumakhaya ku-$ 63,101 kuya ku-$ 104,500 ibhakha lemali engenayo
- Ukulondolozwa kweMedian okungaba ngu- $ 13,500 kumakhaya ku-$ 104,501 kuya ku-$ 154,600 ibhakha lokuhola, eliphakeme kakhulu esifundweni
Kuphela labo abasebhankini eliphezulu lokuthola imali bahlulelwa abahlaziyi kuJPMorgan Chase Institute entsha, okwenza lolu cwaningo, ukuba nolondolozo olwanele lokuxazulula ukungeniswa kwenyanga noma ukushaqeka kwezindleko.
Noma kunjalo, le nombolo yokugcina imali iphansi kakhulu, ikakhulukazi uma kuqhathaniswa nenzuzo. Kubonisa amandla okungaqedi ukuchitha phakathi kwalaba bantu.
I-caveat eyinhloko ngokucwaninga kwe-JPMorgan Chase ukuthi ithola iziphetho zayo kusuka kumininingwane ye-akhawunti yamakhasimende, okungenzeka ingabonakali kwezithombe zezimali zezinkampani, ngenxa yokuthi abaningi bazoba nama-akhawunti, futhi ubuhlobo nabo, izikhungo eziningi zezezimali . Kumele futhi ithonywe ukungapheleli ekuhlanganyeleni kwama-akhawunti eklayenti ekuqhakambeni kwamakhaya.
Ukuhamba Kwekilasi: I-barbar ezithakazelisayo yocwaningo lwe-JPMorgan Chase ukuhlaziywa kwalo kwezinguquko ekusetshenzisweni kwemindeni kanye nemali engenayo kusukela ngo-2013 kuya ku-2014. Ama-brackets angama-5 angenayo asetshenziswe kulesi sifundo yilena:
- $ 0 kuya ku-$ 23,300
- $ 23,301 kuya ku-$ 40,500
- $ 40,501 kuya ku-$ 63,100
- $ 63,101 kuya ku-$ 104,500
- $ 104,501 kuya ku-$ 154,600
Mayelana nenzuzo:
- Amaphesenti angu-15 alabo asebhange eliphansi kakhulu ngo-2013 bathuthele ibhakhashi, kanti enye i-7% yenyuka okungenani amabakaki amabili
- Amaphesenti angu-16 kulabo abesekhondomu yesibili ka-2013 enyukela phezulu, futhi omunye u-5% ngu-2 noma ngaphezulu. Phakathi naleso sikhathi, u-11% wehla ebhodini eliphansi kakhulu.
- U-17% ohlangothini lwesithathu we-2013 wenyuka, futhi u-15% wehla.
- I-12% ekhoneni lesine lika-2013 yenyuka, futhi i-21% iphansi.
- I-18% ekhoneni eliphezulu lika-2013 yehla.
Ngokuphathelene nokusetshenziswa kwemali:
- I-23% ebhodini elingenayo elingenayo lika-2013 elingaphakathi libheke kubakaki abasebenzisa imali.
- Amaphesenti angama-27% ebangeni lesibili le-2103 lokuthola imali lichithe ngaphezulu, futhi ngaphansi kwezingu-19%.
- Amaphesenti angama-25% ku-third-hand bracket engenayo ka-2013 asebenzise ngaphezulu, futhi angaphansi kuka-24%.
- U-17% wesibhakela lesine lokuthola imali ka-2013 wachitha ngaphezulu, futhi u-26% ngaphansi.
- Amaphesenti angu-21 ku-bracket engenayo ka-2013 asebenzisa imali encane.
Njengoba kungenzeka kulindeleke, ukushintshwa kokusetshenziswa kusukela ngo-2013 kuya ku-2014 kubonakala kakhulu kubonakala ekushintsheni kwimali engenayo esikhathini esifanayo.
Umthombo: "I-Cash Crunch, Yiningi, Inkinga Yanyangazonke," I-Wall Street Journal, Meyi 20, 2015.