先看生活成本
Start with cost of living
2024 年美国家庭平均支出中,住房约占 33.4%,交通约占 17.0%,食品约占 12.9%;五大类支出合计达到 83.7%。这说明消费者并非在无限预算中选择:房租、房贷、汽车、保险、医疗和食品会直接限制可自由支配支出,而且地区与收入差异很大。
In 2024, housing represented about 33.4% of average U.S. household expenditure, transportation 17.0%, and food 12.9%; the five largest categories together accounted for 83.7%. Consumers do not choose with unlimited budgets: rent, mortgages, cars, insurance, health care, and food constrain discretionary spending, with large regional and income differences.