Is America rich? Are Americans rich?

The United States, the country with the greatest influence on the world, has too many auras. See things in a blur

American technology is dominant.

The United States is called the engine of the global economy. American cough. I wonder how many countries will catch a cold!

American culture, led by Hollywood blockbusters, stands out and spreads American norms and lifestyles everywhere.

The United States dominates the world militarily, with 1 1 modern aircraft carrier fleet. Even if the navies of the world are added up, it is less than half of that of the United States!

American agriculture, American education, American medical level, American military industry, American cars, American shipbuilding, American tourism ... There are too many people leading the world.

Don't forget, America also has one of the most important world leaders:

U.S. government debt 16 trillion! The average American has as much as 50 thousand dollars!

Some people will say: the United States is rich, what is 50 thousand dollars? Bite your teeth and pay it off in a few years.

Is it true?/You don't say. I'm telling you, if it's really shared with every American, more than half of the Americans may not be able to pay this debt for life. Can you believe it?

An assumption that must be said: if the US government goes bankrupt, these foreign debts will be repaid by every American, and the United States will become the largest immigrant exporter in the world!

To illustrate this problem, simply look at the daily income and expenditure of the middle class.

Let's talk about spending first: the biggest necessary expenses of the American middle class are as follows:

1, income tax, endowment insurance, medical insurance and government medical insurance, which are deducted when paying wages. Everyone is different and every family is different. About 20-30% of the total income. If you pay 30%, congratulations, you must be a high-income class.

According to the concept of median household income in the United States in 20 12 years given by the US Federal Census Bureau, 50% of households in the United States have incomes below 5 1000 and 50% have incomes above 5 1000. Among them, medical insurance is a big expense, which varies from person to person, so I won't say much.

Real estate expenditure: you are middle class, children have it, and a house is a must. For the sake of children's education, it is normal to choose a "school district room" that you can afford.

Property tax varies from region to region. In areas with low property tax, such as California 1%, the house price is high, while in areas with high property tax, the house price is much lower. Property tax in most parts of the United States is between 2-3%. Basically, the absolute value of property tax in different regions is similar, and the median property tax is around $5,000.

Jia Bao: Different regions are different. There are many earthquakes in some areas and tornadoes in some areas, so the insurance is different. But in general, the median value of a house is above 1 0,000 to 200,000 dollars, and the real estate insurance is roughly above10,000 dollars a year.

Garden lawn maintenance: There are many things that need mowing, pruning, fertilizing and weeding every year. Please take care of someone for one year 1500-2000 USD. Most American families take care of themselves, so this fee is not counted.

Repairing the house: this is a big expense. The roof is replaced in 20 years, renovated in 10 years, and the life of air conditioner and fence is about 10 years. Plus daily minor repairs, an average of 200 yuan a month is very basic.

Mortgage expenditure: this is a big head. According to the house price of 200 thousand and the down payment of 20%, the loan interest rate in the United States is much lower than that in China. The interest rate was 7% when the economy was good a few years ago. In the past few years, the financial turmoil has greatly reduced the loan interest rate to 3%. It has risen a lot in the past two years, even 4%. The average monthly mortgage for a house is about $65,438+0,000. Let's calculate it at 1000 dollars.

And community management fees and so on.

To sum up, the average monthly fixed housing expenditure of the middle class is about 65,438 yuan +0 according to the savings point, 500 yuan.

3. Car maintenance costs: In the United States, public transportation is very underdeveloped, not because it is not developed vigorously, but because residents in most areas are seriously opposed to public transportation. There is a simple reason. The people who take the bus are poor people who can't even afford a car, so the human environment along the bus is relatively poor, and blacks and old Mexicans are concentrated. Americans with some status will live in areas without public transportation in the outer suburbs.

The whole family goes to work, or one goes to work, the other sells vegetables, goes shopping and picks up children. Two cars should be. A car is just a means of transportation.

Besides, buying a car, one car every ten years, two cars in a family, updated once every five years on average, costs 20 thousand to 30 thousand dollars for an ordinary car. You say you buy a used car, or you say you can drive for more than ten years. I'm sorry, whether it's a used car or an old car for more than ten years, the maintenance cost can't be ignored. So the cost of buying a car will basically happen every month. 400 dollars a month is nothing, I will give you a discount, even if it is 200 dollars.

Car insurance varies from person to person. 65,438+000 dollars a month, two cars can't run away.

Gas money, normal maintenance of the car, oil change, air conditioning filtration, changing a set of tires every four years, changing a battery every four years, and so on. Even if one car costs a month 100, two cars will cost 200.

Parking fees and tolls in the United States are very small and can be ignored.

To sum up, the maintenance cost of the family car of $400 per month is the lowest. This is just a means of transportation.

4. Electricity: There is no uniform standard price for electricity in the United States. It depends on which power company you choose. The air conditioner uses a lot of electricity because it is empty around the single house. The electricity bill is generally about one year 1 minute, and the power company has to add various exorbitant taxes ranging from tens of dollars a month, heating in winter and air conditioning in summer, cooking and washing. 2000 kwh of electricity a month is normal. You said that you burn oil and natural gas. Haha, almost. I simply calculated a bunch. The average monthly electricity bill is $200. You said you live in California, where the seasons are like spring. There is no air conditioning in summer and no heating in winter. That's true, but it doesn't represent most areas.

5. Telephone charges: Most people in the United States have a mobile phone and a landline at home. Children should have mobile phones when they are older. The monthly telephone bill of 120- 150 is necessary. Call it $ 120.

6. TV Internet access fee: If I have a computer at home, the network must be good. Children have a high demand for watching TV, and the programs on this channel should be complete. We calculate these two things as 100 dollars. Some people say that 50 yuan can be done. Of course I don't believe it. My monthly expenses are $ 1 10. If you have a dispute about this, consider it as $80. I spend $80 on TV every month, and the internet fee is ignored.

7. Diet: American food prices are low. Many people have introduced this point. Even if you cook by yourself, adults can bring lunch, and children must have school lunch at school, which costs $5 a day and $90 a month. Cooking at home for an average of one month100 per person is enough, and you can still eat, including fruit. A family of three costs $390 per month and a family of four costs $ 480-500 per month. This is the standard of China people, old and lazy. Most of them engage in semi-finished food and a lot of drinks, and a family of four may cost more than 700 dollars. If you eat out at noon, 800 won't do. According to the family concept of China people, China people are thrifty, and they are frugal in cooking. A family of three costs $400 a month.

8. Clothing: Americans dress casually and don't pay much attention to famous brands. American clothes are very cheap. But we're talking about children's clothes. First, children pay attention to clothes, and different ages have different brand pursuits, including shoes. When they grow up, there are not many two sets of clothes and shoes a year, one set costs 300 dollars and one child costs 600 dollars a year. You calculate in China that a child with a long body doesn't have much clothes, shoes and hats for more than 3,000 yuan a year, right? Not for adults. Take us for example, 200 dollars a year is enough. Therefore, a family of three spends $70 a month on clothes, which is a very low standard. Someone is concerned, so let's calculate it according to $ 100. A family of three, an average of one month's clothing expenses in 600 yuan is not a luxury, right?

Furniture, mobile phone, computer, microwave oven, washing machine, refrigerator: there are many in it. It's not too much to change one set every ten years, is it? An average of one month 100 yuan is not much.

10, other unforeseen expenses, even if it is 100 USD.

These basic expenses add up to 800+1500+400+200+120+80+400+100+100 = 3800 yuan.

All of them are in accordance with the standards of relative economy, excluding any non-basic expenses such as travel and fitness, children's education expenses, social expenses, luxury goods and so on. To put it bluntly, it is just to satisfy food and clothing. All shopping is based on low standards or discounted prices.

As a classmate said earlier, America lives in a big house. That's right! America is vast and sparsely populated. It's normal to live in a big house, but take care of yourself! Men mow and trim the grass once a week, and women clean it once a week. If you try a 200-square-meter house yourself, you will know how hard it is. So we can see whether America is rich or not.