Umlinganiselo osemgangathweni wamaxabiso aseMerika ngu-68,828. Idata ivela ngo-2011. Kungenxa yokuba i-Ofisi yoBalo-mali iyayilinganisa yonke iminyaka elishumi.
Umyinge wokuxabisa intlawulo uchazwa njengomlinganiselo wobutyebi eMelika. Inani elifanelekileyo lilonke lempahla yakho ye-net. Zizo zonke iimpahla ekhaya elingaphantsi kwayo yonke ityala elihlawulwayo. Iimpahla ezikhoyo zibandakanya ukulingana kwekhaya, okuyixabiso lakho lokubuyela ekhaya lokunciphisa imali kunye neendleko zokuthengisa.
Iimpahla ezikhoyo zibandakanya ixabiso lokuthengiswa kweemoto elingaphantsi kwexabiso lemali ehlawulwayo.
Ezinye ii-asethi ziquka i- akhawunti yomhlala phantsi , ukugcina imali kunye nemali. Amanye amatyala aquka ityala lekhadi lesikweletu , iimali-mali zabafundi, kunye netyala lezonyango . Unokuquka kwakhona ukuhlaziywa kwexabiso lezinto zekhaya, ezifana nomthengi ngeekhomputha, ubucwebe kunye nobugcisa.
Ukubala ubungakanani bomnatha wakho , faka ixabiso lokubuyisela yonke impahla yakho. Emva koko fakela lonke ityala olinetyala. Ukukrazula ityala kwiimpahla ukufumana umvuzo wakho.
Umyinge wezindlu ezifanelekileyo
I-US Census Bureau yenza amanani omyinge wamanani onke amaMerika. Isebenzisa umthamo wamanani emakhaya endaweni yabantu. Indlu nayiphi na iqela labantu abahlala kunye. Ukulinganisa kwenzeka rhoqo kwiminyaka eyi-10 njengenxalenye yoPhando loBalo lwabantu base-US. Ukugqibela kubalo kuvela ngo-2011. Olandelayo uza kuba ngo-2021.
I-Census Bureau isebenzisa i-median ngokulinganisa ukulinganiswa kwexabiso lomzi.
Umlambo ngumbono apho isiqingatha sawo onke amakhaya anakho ngaphezu kwesiqingatha esingaphantsi. Ichanekile ngakumbi kunomlinganiselo wemathematika. Yilapho uthatha ubutyebi bemizi yonke yemindeni yase-US kwaye ulwahlula ngamanani emizi. Umyinge ngumntu ophakamileyo kakhulu kunomlingane.
Kungenxa yokuba kunemizi emininzi ecebileyo enezigidigidi. Ubutyebi babo buya kwenza ukuba umzi waseMerika oqhelekileyo ubonakale uwutyebi kunokuba.
Unokuba ukhangele ubuncwane be-$ 68,828 kwaye ucinge, "Ndiyayenza kakuhle!" okanye "Ndiya ngasemva!" Kodwa inani elifanelekileyo lixhomekeke kwiminyaka yobudala. Abantu abaselula abanalo ixesha lokuqokelela ubutyebi obuninzi. Amakhaya asebekhulile ahlala kwizobutyebi. Ufanele uqhathanise umthamo wakho kumnxeba kwi-bracket yakho yobudala.
Ubuncwane bobuncinci balabo bancinci kunama-35 ngu-6 676 kuphela. Ubuncwane bobudlelwane kubantu abadala kunama-75 ngu-155,714. Nantsi ukupheliswa okupheleleyo ngeqela elidala:
| Umda wobudala | Ubutyebi beMidian |
|---|---|
| Ngaphantsi kwama-35 | $ 6,676 |
| 35-44 | $ 35,000 |
| 45-54 | $ 84,542 |
| 55-64 | $ 143,964 |
| 65-69 | $ 194,226 |
| 70-74 | $ 181,078 |
| 75 okanye ngaphezulu | $ 155,714 |
Enye into ebalulekileyo ekuqongeni ubutyebi yimfundo. Ubuncwane bobukhulu bezindlu ezingenazo idiploma zezikolo eziphakamileyo zi-$ 9,800 kuphela. I-quadruple yezikolo eziphakamileyo zezikolo eziya kuma-43,945. Ikholeji yeekholeji eziya kuma-147,148. Oku kungakhathaliseki ukuba ngumthwalo wetyala lekholeji. Umfundi ogqwesileyo okanye udidi lwezakhono eziphindwe kabini ezilinganiselwa kuma-240,750. Imfundo ikunceda uqokelele ubutyebi ngenxa yokuba unokufumana imisebenzi ehlawula kakuhle. (Umthombo: "Ubutyebi, Ubunini kunye namatyala kaMakhaya: 2011. Itheyibhile 1.
Bureau of Census Bureau.)
Umehluko phakathi kwexabiso elifanelekileyo kunye neNzuzo
Urhulumente waseUnited States uhlaziya ukuchaza ubutyebi ngemali engenayo, kungekufanelekile. Ngokomzekelo, uMongameli Obama uchaza umgangatho ophakathi njengamakhaya athabatha ngaphantsi kwama-250,000. Kwakukho ngexesha leengxoxo malunga nokongezwa kweentlawulo zerhafu zaseBush . Ngethuba leengxaki zentlupheko , iCongress yathi i-middle class njengezindlu ezenza ngaphantsi kwama-450,000. Isicwangciso soRhafu sikaMongameli uTrump uthe izibini ezisezantsi zifumana phakathi kwama-$ 75,000 kunye ne-225,000.
Imali engenayo yomzi i-$ 59,039. Kodwa oko akuthethi ukuba wonke umntu ofumana loo nto uphakathi kobutyebi. Amakhaya amaninzi asebathathe umhlalaphantsi anelungelo lokufumana umthamo omkhulu, kodwa ingeniso ephantsi. Babenomvuzo ophezulu ngaphambili kwimpilo yabo ukuze bakwazi ukugcina umhlalaphantsi. Iintsapho ezininzi ezincinci zingenakho ukufumana imali engenayo kodwa inzuzo ephantsi.
Kungenxa yokuba ingeniso yabo ichithwa ngokukhawuleza ekunakekeleni abantwana, izindlu kunye neentlawulo zemoto.
Mhlawumbi ukubheja okukhuselekileyo ukucinga ukuba abo bahlala ngaphantsi kwinqanaba lehlwempu lombutho banelungelo lokuhlawula. Uninzi lwabantu luza kuthengisa impahla ukuze zizinakekele phambi kokuba zifikelele kwizinga lehlwempu.
Indlela Ubutyebi Bomhlaba Olwabiwe ngayo
ICandelo lee-Census Bureau lase-United States lixela nobutyebi bendlu yasemakhaya ngamaxabiso. Yindlela efanelekileyo yokujonga indlela ubutyebi obuhambisa ngayo eMelika. I-quintile iyinye yesihlanu yeqela, njengekota yekota enye yesine yeqela.
I-quintile yobuncwane basezantsi yindlu yesihlanu emakhaya. I-quintile yengcebo ephezulu yimizi engama-20 ephezulu kakhulu yamakhaya. Njengoko sibonile ukusuka kwidatha ngoku, i-quintile yangaphantsi iya kuba yintsapho encinane kunye nabangenayo imfundo eninzi. I-quintile ephezulu iya kubandakanya imindeni endala kunye nalabo abanezemfundo.
EUnited States, kukho umda omkhulu phakathi kwe-quintiles ephezulu nephezulu. Ubungakanani bomnatha obuphakathi kwe-quintile engezantsi - $ 6,029. Eqinisile, inzuzo yabo ayibi. Ukuba bathengisa yonke into abanayo ukuba bahlawule ityala labo, babeya kuba netyala lika-6.029. Ekubeni i-median, ithetha isiqingatha semindeni kule mivuzo engama-20 ehlwempuzekileyo ngaphezu kweyo kunye nesiqingatha se-owe ngaphantsi.
Ubungakanani bomnatha obuphakathi kwabo bahlala kwi-quintile ecebileyo yi-$ 630,754. Oko kubanika indlela yokuphila ehluke kakhulu kunomlinganiselo ongaphantsi. Zabo kathathu ngokuphindaphindiweyo ngokuphindaphindiweyo kwee-quintile, kunye namaxesha angama-10 ngokuphindaphindiweyo njengeqela eliphakathi.
Nantsi ukupheliswa okupheleleyo nge-quintile:
| Quintile | YeMedian Net Worth |
|---|---|
| Ngezantsi kweepesenti ezingama-20 | - $ 6,029 |
| Ama-20 eepesenti | $ 7,263 |
| Ephakathi 20 Ipesenti | $ 68,828 |
| Ama-20 eepesenti | $ 205,985 |
| Top 20 Percent | $ 630,754 |
Iintlobo zeMpahla yeMpahla
Ngexesha eli-11 leminyaka phakathi kweengxelo zokugqibela zobutyebi boBalo-mabini, u-US ubuchule obuthile buwa. Kwakuyi-$ 73,874 ngo-2000, yehla ukuya kuma-68,828 ayi-2011. Kodwa oko kwakungekhona kuba yonke i-quintile yabona ilahleko. Endaweni yoko, isityebi sabacebile kwaye amahlwempu ahlupheka. Phakathi ko-2000 no-2011, ubutyebi bunyuke kulabo abaphezulu kwi-quintiles ephezulu, ngelixa liye linciphisa labo abaphantsi kwezinto ezintathu.
| Quintile | I-Median Net Worth (2000) | Ipesenti yePesenti ngo-2011 |
|---|---|---|
| Ngezantsi | - $ 905 | -566% |
| Okulandelayo | $ 14,319 | -49% |
| Ephakathi | $ 73,911 | -7% |
| Okulandelayo | $ 187,552 | + 10% |
| Phezulu | $ 569,375 | + 11% |
I-Federal Reserve ihlaziye ezinye zeenkcukacha zobuncwane boLwazi. Uphando lwayo lwezeMali zabathengi luchaze i-1 pesenti yabantu baseMerika ngoku ilawula iiphesenti ezingama-38.6 zobutyebi besizwe. Unabo abangaphezu kwama-36.3 ekhulwini ngo-2013. Wonke umntu ubona ipesenti yabo yobutyebi bewa. Ababutyebi baxhamla kwi-stock market. Uninzi lwabalinganiselayo abasebenzi aluzuzi kuba abanalo iipotfoliyo ezinkulu zokutshala imali.
Ukunyuka kobutyebi obungalingani yindlela efana neyo yabonwa kwimpesenti yokufumana imali. Ngo-2000, ama-5.9 ekhulwini emakhaya afumana i-200,000 zamawaka ngonyaka okanye ngaphezulu. Ngo-2016, iipesenti ezi-7 zenze. Esinye isibonakaliso sokungalingani kwemali engenayo eMelika. Oku kuvela kwiTheyibhile A-1 kwingxelo yeCensus Bureau ebizwa ngokuba yiNgeniso neNtlupheko e-United States: 2016.
Uphando lwe-Phoenix we-2016 kunye ne-Monitoring Affluent lifumene iindlela ezifanayo, nangona ulwahlulo lwezoqoqosho luhluke ngokwahlukileyo. Ingxelo engama-0.9 ekhulwini yemindeni yase-US ine-$ 5 yezigidi. Kodwa, abanama-24 ekhulwini lobutyebi besizwe. Amaphesenti amahlanu emakhaya ase-US anemali phakathi kwe-1 million yezigidi kunye nezigidi ezingama-4.9. Abangama-35 ekhulwini lobutyebi besizwe. Amaphesenti angama-25 eemakhaya anelungelo lokufikelela phakathi kwama-100,000 ne-999,999 angama-32 ekhulwini. Iipesenti ezingama-70 zezindlu zinexabiso eliphantsi kwee-100,000 zamaRandi, kwaye zinama-9 ekhulwini wezoqoqosho zase-United States.