美国人正在节省创纪录的收入份额 — — 高达48的报复储蓄,其动力是大规模后支出和经济担忧,专家们敦促采取平衡、可持续的战略。 Americans are saving record shares of income—up to 48%—as revenge saving, driven by post-pandemic spending and economic worries, with experts urging balanced, sustainable strategies.

美国人的复仇储蓄正在增加,特别是那些在人口大流行后自由生活的人,因为他们现在节省创纪录的数额——高达收入的48%——以便在通货膨胀、工作恐惧和过去压力下重新获得财务控制。 Revenge saving is rising among Americans, especially those who spent freely post-pandemic, as they now save record amounts—up to 48% of income—to regain financial control amid inflation, job fears, and past stress. 许多人使用自动转账到高收益账户,视储蓄为个人挑战。 Many use automatic transfers to high-yield accounts, treating saving as a personal challenge. 虽然有纪律的储蓄是有益的,但专家们警告极端储蓄会损害退休计划、应急基金和生活质量。 While disciplined saving is beneficial, experts warn extreme saving can harm retirement plans, emergency funds, and quality of life. 它们建议平衡目标,使捐款自动化,设定目标,并安排定期审查,以避免耗尽和确保长期财务健康。 They recommend balancing goals, automating contributions, setting targets, and scheduling regular reviews to avoid burnout and ensure long-term financial health.