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Securing
both financial success and career opportunities comes at a cost — one
that is growing each year. Overall, Americans need an average post-tax
income of $68,499 to live comfortably in the U.S., according to recent
data from SmartAsset. 既要有工作機會，也要有豐厚的收入回報，能實現(xiàn)這兩點并不容易-實現(xiàn)這兩點的成本也變得越來越高。根據(jù)SmartAsset最近提供的數(shù)據(jù)，總體而言，美國人平均稅后收入要達到68499美元才能過得舒適。 SmartAsset’s
study analyzed the after-tax income needed to live in the nation’s 25
largest metro areas comfortably. To determine the required salary for a
single individual with no kids in each city, SmartAsset employed the
50/30/20 rule, which defines a comfortable lifestyle as one in which 50%
of after-tax income is applied to basic living expenses (needs), 30% to
discretionary income (wants) and 20% to savings and debt. SmartAsset的研究分析了在美國25個最大的都市區(qū)舒適生活需要多少稅后收入。SmartAsset采用50/30/20原則來測算一個人（沒有孩子的情況下）在每個城市生活需要多少收入。根據(jù)SmartAsset的定義，舒適的生活方式是指50%的稅后收入用來基本生活開銷（必需品），30%是可自由支配的收入（奢侈品），而20%用來儲蓄和償還債務(wù)。 Metro area：也可稱為Metropolis，即大都會，大都市 discretionary income：可自由支配的收入 The post-tax salary needed in these 25 areas increased by around 20% throughout 2022, while inflation grew about 8%. 隨著通貨膨脹率增加了大約8%，在這25個城市生活所需要的稅后收入在2022年大約增加了20%。 “Inflation
is taking a bigger bite out of their paychecks and the cost of living
is rising. What does it take in these cities to really feel not just
like you’re surviving financially, but like you’re comfortable? Like
you’re thriving?” Snider says. “通貨膨脹導(dǎo)致薪水變得更少了，同時生活成本也增加了。那么，需要賺多少錢才會感覺在這些城市生活并沒有過得緊巴巴，而是比較舒服？” Paycheck：工資薪水 How much Americans need to live comfortably 美國人需要賺多少才能過上舒適的生活 For
the second year in a row, St. Louis is the most affordable city on the
list, with a required after-tax salary of $57,446. In contrast, San
Francisco requires the highest take-home pay to maintain a comfortable
lifestyle at an after-tax salary of over $84,000. 圣路易斯已經(jīng)連續(xù)2年是榜單上最實惠的城市，在這里生活需要稅后收入達到57446。舊金山是維持舒適生活方式花費最高的城市，在這里想要過得舒服需要稅后收入超過8.4萬美元。 Income
demands in Southern California rose nearly 30% this year; the Riverside
metro area, for example, had the most acute one-year increase in
required income, up 27.28% from 2022. 在南加州，想要過上舒適生活的收入在今年增加了將近30%；比如Riverside都市區(qū)，今年所需要的收入就比2022年增加了27.28%，是單年增加幅度最大的一個地區(qū)。 Here are the salaries needed to live comfortably in 15 major U.S. cities: 在美國15大城市，如果想要過得比較舒適，需要達到以下收入： 1. San Francisco metro area: $84,026 2. San Diego metro area: $79,324 3. Boston metro area: $78,752 4. New York metro area: $78,524 5. Seattle metro area: $77,634 6. Los Angeles metro area: $76,710 7. Washington, D.C. metro area: $76,194 8. Miami metro area: $67,056 9. Atlanta metro area: $66,580 10. Phoenix metro area: $65,670 11. Chicago metro area: $65,500 12. Dallas metro area: $64,742 13. Houston metro area: $62,260 14. Philadelphia metro area: $61,678 15. St. Louis metro area: $57,446 Why does San Francisco top the list? 為什么舊金山位居榜首 In
cities like San Francisco, the cost of living comfortably exponentially
increased over the past year, from roughly $74,000 in 2022 to about
$84,000 in 2023, Snider says. Snider表示，在類似于舊金山這樣的大都市，想要過得舒適的生活成本在過去的一年呈指數(shù)級增加，從2022年的大約7.4萬美元增加到了今年的8.4萬美金。 California
cities’ elevated cost of living can be explained, in part, by the
state’s high income, gas and sales taxes. In San Francisco, for example,
residents face a statewide gas tax rate of $0.539 per gallon and a
sales tax of 8.625%. 加州地區(qū)城市高漲的生活成本一部分可歸因于加州的高收入、油價以及消費稅。比如，舊金山居民的汽油稅率為0.539美元/加侖，而消費稅則為8.625%。 San
Francisco’s $10,000 increase “really highlights just how much the
rising cost of living might be making [residents] feel like maybe that
salary last year, that allowed them to feel like they were living
comfortably, isn’t really going as far this year,” Snider says. Snider表示，在舊金山生活需要的收入增加1萬美金“凸顯了生活成本的增加。人們可能會覺得去年可以讓自己過得很舒服的收入在今年可就未必了。” 原文來源：CNBC 編輯：上海譯銳翻譯 注：上海譯銳翻譯是一家專業(yè)的翻譯公司，我們致力于通過優(yōu)質(zhì)的翻譯服務(wù)助力客戶。