China people are tall and save less than China people. Where do Americans spend their money?

According to USA-Today's statistics, the average wage in the United States is $29,000 a year. According to the data from the same source, the average annual income of California people is 43 104, which is relatively high compared with the national average of the United States.

But an annual income of more than 40,000 refers to pre-tax income. Americans don't have to pay taxes on all their annual income. The tax law allows some tax-free places, such as saving your own pension, raising children and buying medical insurance. According to the formula provided by the IRS, if your annual income is $4,365,438+004, how much tax should you pay:

Federal tax: $69,065,438 +0

California tax: $65438+$0720.62

Social security tax: $ 18 10.37

California Disability Tax: $4,365,438 +0

Federal medical insurance tax for the elderly: $ 1250.02

After deducting the above taxes, the annual after-tax income is USD 30,990.99.

The monthly income is $2,582.58.

In other words, the average after-tax income of high-income Californians exceeds $2,500.

According to statistics, Americans spend most of their money in the following places:

1. Rental or mortgage repayment: 18% to 30% of monthly income. If you own a house, you must pay housing insurance and property tax. California's property tax is not collected according to the annual evaluation price of the house, which is better. Property taxes in other States are collected according to the annual house valuation. If you bought a suite with 6,543,800 yuan 20 years ago, today's valuation is 6,543,800 yuan, and the property tax will suddenly rise by 654.38+ 00 times.

2. Save money for retirement: Only government officials, postmen, teachers and other civil servants in the United States don't have to worry about having no money after retirement, because the retirement benefits of civil servants are relatively rich. Ordinary people should save their own money for retirement. Supplementary security income is not enough. Many companies offer retirement plans for their employees. The company will help employees pay a part, and employees will save a part. This is an employee welfare. Most people will deposit 5% to 10% of their monthly income into retirement funds. If the stock market is not good, many people have to save more money in case they have no money to use when they retire.

3. Living service fees: water, electricity, gas, garbage, cable TV, broadband Internet access and the like. If you rent an apartment, you have to pay a property management fee. In addition, labor in the United States is very expensive, and it costs hundreds of dollars to get a haircut and shampoo. The sewer is blocked and the ceiling leaks. Please call a worker to repair it. According to the time when workers leave work, it is 60 dollars per hour. There was a traffic jam on the road, and I was charged hundreds of dollars before I started to repair it.

4. Food: American food is not cheap anywhere. In an area with developed agricultural products like California, it will be very cheap to buy food and cook by yourself; But places like Hawaii can be expensive. However, no matter where you are, eating in a restaurant outside will be much more expensive. Americans still have wasteful habits, such as drinking three cups of Starbucks every day, plus tips, and drinking drinks in the moonlight will cost more than 600 dollars.

5. Transportation: In most parts of the United States, public transportation is extremely underdeveloped, and no car means no legs. Most people have to drive to work. Even if you go to buy a dish or see a doctor, you have to drive out. Children need to find a classmate to play with, either their parents drive to pick them up or their own parents drive to pick them up, otherwise they can't move. So in many parts of the United States, children 16 years old can drive with a driver's license. If there are two adults at home, there must be at least two cars and a car as a backup. In case the car suddenly breaks down, it can be replaced immediately.

The cost of car maintenance, no matter how much cheaper than that in China, is considerable. It is very troublesome for the car to break down because of the underdeveloped public transportation. Therefore, ordinary Americans will not buy cars that often have big or small problems, even though there may be a loud brand. Therefore, although Americans can buy a Mercedes for more than 30 thousand yuan, they can buy one after working for half a year; More than 50 thousand can buy a very stylish BMW; However, not many people actually buy it. Because this luxury car is much more expensive than ordinary cars in terms of maintenance, insurance and annual fee (the most expensive Honda car changes oil for more than 30 yuan at a time; But the cheapest Mercedes-Benz engine oil costs more than 200 yuan), not to mention driving a luxury car does not necessarily represent identity! Many people in China envy Lamborghini for only $250,000 in the United States and several million RMB in China. But many people don't know that the annual car tax for a 250,000 car is almost $3,000 and the insurance premium is tens of thousands of dollars. If it weren't for Qian Duoduo, who would buy it?

6. Student loans: The tuition fees of American universities are very expensive, ranging from tens of thousands to 60,000 to more than 80,000 a year for prestigious schools (excluding textbooks, accommodation and meals, which must be paid separately). Textbooks are also very expensive, and some cost hundreds of dollars. If you stay, it is common for you to spend two thousand yuan a month. Unlike China's parents, many American parents don't give their hard-earned money to their children for college, expecting their children to support themselves in the future. Americans usually have to find their own way to earn money for college. Most people will take out loans. If you find that the salary of your major is not too high after finishing college, you will find that it is a very big burden to repay the student loan. Some people will take decades to repay their loans.

7. Entertainment: Although it is cheaper to watch movies in the United States than in China, you can watch a blockbuster for $7 to 15. However, Americans like to watch American football, baseball and basketball live. Tickets for these ball games are often hundreds of dollars each, and it is even more expensive if it is the final. If the final is not in your own city, flying to the final city to see it, air tickets plus air tickets plus hotels, and eating and drinking are very expensive. If you go to the bar again at ordinary times, a cocktail is at least ten yuan. If you have other hobbies, such as mountain climbing, diving, skiing, hunting, going out to sea, fishing and so on, plus go on road trip and traveling abroad ... no matter how cheap, money will be spent like running water.

8. Medical insurance: The medical insurance system in the United States is different from that in China, and there is no "personal account". The older you get, the more expensive the insurance premium will be. If the company you work for does not provide insurance, or the insurance is not good, it will be expensive to buy it yourself. There are many people who spend hundreds of dollars on medical insurance every month. It takes at least 10,000 yuan to have a child without insurance. If you are seriously ill, unless you are in extreme poverty, the government will pay the bill, otherwise your life savings will be used up at once. Medical insurance, medical care, medicine, dentistry and ophthalmology in the United States are all separated, adding up to a lot of money.