The average annual salary of the successful people in the United States today?
Since the 1980s, if the Americans earn an annual salary of U.S. $ 100,000, be regarded as success criteria.
Before the financial tsunami, the six-figure annual salary, on behalf of living in a housing with two cars, a regularly go out to the resort, there are enough savings to prepare for retirement and children’s college tuition.
Today, everything has been changed. Inflation eroding the real value of $ 100,000, in recent years, housing, medical insurance and college tuition costs, a sharp rise. Taking into account the cost of middle-class families, food, energy and other necessities rise, six-figure annual salary is no longer the standard of success.
At present, less than 20 percent of U.S. households and earn an annual salary of $ 100,000, many people said that the breakthrough year for income of $ 100,000, is a milestone, but it is not like before rich.
U.S. Census Bureau data, in 2006, only 5.63 percent of personal income tax, only 17.8% of annual household income of more than $ 100,000. Indeed, if inflation to calculate, in 1990, $ 100,000 salary, after the adjustment, equivalent to $ 162,760 today. Another perspective, in 2000, $ 100,000 in wages, adjusted for inflation, equal to $ 82,609 today.
Finance Association, president of Adam (Mari Adam): 1976, $ 100,000 worth of stuff today, has prices of up to 381,000 dollars, we can see, many things become very expensive. ”
Adam pointed out that health care is one of the major expenses, the relative inflation rate has nearly tripled.
Kaiser (Kaiser) Family Foundation survey of health insurance costs: Since 2000, insurance costs have increased by up to 78%. At present, the total cost of medical insurance, individual per year, with an average of 4,242 dollars; family per year, with an average of 11,480 dollars.
Adam said, in recent years, college costs a substantial increase.
The College Board’s annual report notes that five years, college tuition increased by 35 percent, marking the biggest increase in 30 years. Adam said: “Thirty years ago, the cost of these aspects, does not account for a major proportion of the salary, however, many of today’s American family income, most pay these costs.
Housing costs, prompting the $ 100,000 annual income of Americans living as before. Many parts of the housing price growth has exceeded the growth of wages of Americans. 2000, the median household income of 50,732 million U.S. dollars, the median house price $ 139,000. When the median household income in 2007 increased to 59,157 dollars, the median price soared to U.S. $ 229,299. These years, the median house price rose 64.8%
Middle-income American families increased by only 16.6%.
Maryland investment manager 布赖恩尼尔, Brian Neale, said: “There is no doubt that housing is the most important thing, most of the income of American families, investment in housing.” 33-year-old Neil (Neale,) said that last year, he finally earn the annual salary of over 100,000 U.S. dollars mark, but, he said: to pay the mortgage payments, the high the price of gasoline, food and daily necessities, his salary, not as one would imagine huge . Neil is married and has three children, he said: “Currently, I earn $ 100,000, we still have to make some sacrifices, of course, is not to say every night to eat peanut butter and jelly. A person’s life very well, but I would not consider any luxury.
Adam said, the figure salary is not the same as before, referred to, not the necessities of life, however, is considered to be middle-class lifestyle, there is always some other expenses, such as mobile phones, high-speed Internet, leave, karate lessons, music player, laptop computers and digital cameras and other things.
In addition, geography and lifestyle, the impact to the annual salary of $ 100,000 of family in the middle of the Americans, can earn six-figure annual salary, can definitely provide a fairly comfortable life.
Houston-based financial advisor Jeff, Jeff Eschman said the state in most parts of the family, earning $ 100,000, you can enjoy a very comfortable lifestyle. Said: “I do not see – the annual salary of $ 100,000 to those families make many sacrifices in these areas, they can afford high-quality lifestyle.” However, in some large cities, for example, San Francisco, Manhattan, Los Angeles, San Jose, Calif., and Washington, DC, and other housing costs to deduct the income of the majority.
Survey of the international management consulting firm, with a typical annual household income of $ 60,000, to find out the costs of the different lifestyles of the 300 cities. Use the results of their research, an annual income of a typical family of $ 100,000, to maintain the same lifestyle, living in Manhattan, 244,333 dollars a year; San Francisco, 203,000 dollars a year.
Adam said, other income Americans, there are also the same expenditure, and some even with annual revenues topping $ 300,000, but also to make ends meet trouble.
Financial Planner Bryce Bryce, Danley said, for many years a family income of $ 100,000, to buy too much house, too many cars, too much debt, it is commonplace. For example, a family’s annual income of $ 100,000, with a $ 375,000 house, the monthly delivery of two car loans, the $ 450 monthly payment of credit card $ 250. When the family monthly payment mortgage loans, car, debt, deduct social security and federal taxes, has spent 75 percent of their income. Bryce said: “For Americans with high incomes, this is a very typical situation we often ask: why Americans generally do not save money? Mainly because, the decision they made in housing, cars and debt, resulting in make ends meet, let alone save money. “Furthermore, at present, annual family income of $ 100,000, has dramatically reduced the cost of living increase, resulting in greater burden for low-income families.
Bryce said, regardless of income level, the American debt, consumption and overdraft consumption, and ultimately lead to financial and fiscal pressure.
Adam said: “Moreover, the present, to earn a proportion of not more than 10 million annual salary of Americans, life increasingly difficult for most Americans.”
Because of these reasons, the present, many Americans believe: annual income of $ 250,000, is the success criteria.
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