千禧一代更愿意为旅行花钱而非为未来储存 2017-05-20

文章来源：http://fortune.com/2017/05/19/avocado-toast-millennials-savings-travel/?xid=time_socialflow_twitter
by Lucinda Shen
date: May 19, 2017

81% of Millennials Are More Likely to Spend Money on Travel Than Save for the Future

According to a Bank of America Merrill Lynch study published Friday, today's 18- to 34-year-olds are much more likely to prioritize travel, dining, and their gym membership over their financial future.

梅林银行发布的研究表明当今18至34岁的千禧一代会优先考虑将钱花在旅行、聚餐等，而他们的健身伙伴数量超过了他们的经济伙伴。

Moreover, millennials aren't thinking about retiring as early as possible; instead, they're looking to have the most fulfilling life possible.
That is in contrast to the Boomer and Gen-Xers: the majority of both generations said they save up in the hopes of finally retiring.

与婴儿潮一代和X世代均关心其退休生活而努力储钱相比，如今的千禧一代则更关心当下的生活是否丰富。

Researchers and economists have postulated other factors that are believed to be preventing millennials from owning a home. Namely, the rising, and sizable burden of student loans, which ballooned to about $35,000 per student in 2016.
That's roughly three times what their parents had to worry about when leaving university two decades earlier. Meanwhile, millennials may be earning about 20% less than their parents were at their same life stage.

研究人员分析阻碍千禧一代买房原因，可能是攻读学位持续上涨的学生贷款。而如今的年轻人比他们父母当年挣得钱更少。

（这是「口红效应」的一类？还是分享时代的生活模式使然？现在的竞争确实是越来越大了，技术进步但是收缩到越来越少的人手里，千禧一代需要更努力地生活。从另一面看，可能是因为如今社会更稳定，人们对于未来的恐惧减少，不需要储蓄大量的钱或需要固定资产来获取安全感。）

延伸阅读

• Post–World War II baby boom: https://en.m.wikipedia.org/wiki/Post%E2%80%93World_War_II_baby_boom
• Generation X: https://en.m.wikipedia.org/wiki/Generation_X
• Millennials: https://en.m.wikipedia.org/wiki/Millennials