为什么美国人对当前经济的看法大相径庭?
2024-06-11 热心小哥 7927
正文翻译

There’s something weird happening with the economy. On a personal level, most Americans say they’re doing pretty well right now. And according to the data, that’s true. Wages have gone up faster than inflation. Unemployment is low, the stock market is generally up so far this year, and people are buying more stuff.

现在的经济状况有些奇怪。在个人层面上,大多数美国人说他们现在做得很好。根据数据,这是真的。工资的增长快于通货膨胀。失业率很低,今年到目前为止股市普遍上涨,人们购买更多的东西。

And yet in surveys, people keep saying the economy is bad. A recent Harris poll for The Guardian found that around half of Americans think the S. & P. 500 is down this year, and that unemployment is at a 50-year high. Fifty-six percent think we’re in a recession.

然而在调查中,人们一直说经济很糟糕。哈里斯最近为《卫报》进行的一项民意调查发现,大约一半的美国人认为标准普尔500指数(s&p 500)今年会下跌,失业率处于50年来的最高水平。56%的人认为我们正处于经济衰退之中。

There are many theories about why this gap exists. Maybe political polarization is warping how people see the economy or it’s a failure of President Biden’s messaging, or there’s just something uniquely painful about inflation. And while there’s truth in all of these, it felt like a piece of the story was missing.

关于为什么会有这种差距,有很多理论。也许政治两极分化正在扭曲人们对经济的看法,或者是拜登总统的信息传递失败,或者只是通货膨胀带来了一些独特的痛苦。虽然所有这些都是真实的,但感觉好像缺少了一部分故事。
原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


And for me, that missing piece was an article I read right before the pandemic. An Atlantic story from February 2020 called “The Great Affordability Crisis Breaking America .” It described how some of Americans’ biggest-ticket expenses — housing, health care, higher education and child care — which were already pricey, had been getting steadily pricier for decades.

对我来说,那缺失的部分是我在大流行之前读到的一篇文章。2020年2月的一个大西洋故事,名为“打破美国的巨大负担能力危机”,它描述了美国人的一些最大的费用——住房,医疗保健,高等教育和儿童保育——已经非常昂贵,几十年来一直在稳步上涨。

At the time, prices weren’t the big topic in the economy; the focus was more on jobs and wages. So it was easier for this trend to slip notice, like a frog boiling in water, quietly, putting more and more strain on American budgets. But today, after years of high inflation, prices are the biggest topic in the economy. And I think that explains the anger people feel: They’re noticing the price of things all the time, and getting hammered with the reality of how expensive these things have become.

当时,价格并不是经济中的大话题,人们更多地关注就业和工资。因此,这种趋势更容易被忽视,就像一只在水中沸腾的青蛙,悄悄地给美国预算带来越来越大的压力。但如今,在经历了多年的高通胀之后,价格是经济中最大的话题。我认为这解释了人们的愤怒:他们一直在注意东西的价格,并被这些东西变得多么昂贵的现实所打击。
原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


The author of that Atlantic piece is Annie Lowrey. She’s an economics reporter,, and also my wife. In this conversation, we discuss how the affordability crisis has collided with our post-pandemic inflationary world, the forces that shape our economic perceptions, why people keep spending as if prices aren’t a strain and what this might mean for the presidential election.

《大西洋月刊》的作者是安妮·劳瑞。她是一名经济学记者,也是我的妻子,在这次谈话中,我们讨论了负担能力危机如何与我们的后流行性通货膨胀世界发生冲突,塑造我们经济观念的力量,为什么人们继续消费,好像价格不是一种压力,以及这对总统选举可能意味着什么。




评论翻译
@V.stones
Americans are facing a tough time with their finances, especially concerning housing affordability and retirement savings.

美国人正面临财务困境,特别是在住房负担能力和退休储蓄方面。

@rodgertim2881
I'm getting worried about the rising housing prices. It seems like it's becoming harder to afford a home these days.

我越来越担心房价上涨。如今似乎越来越难以负担得起房子了。

@christopherherbert2407
Yeah, it's a real struggle. With the rising housing prices and stagnant wages, it's becoming increasingly difficult for many to afford homes, let alone save for retirement.

是的,这确实是个难题。随着房价上涨和工资停滞,许多人越来越难以负担房子,更不用说储蓄退休金了。

@AliciaCrone
Absolutely. And with the fear of not being able to retire comfortably, people might be tempted to make risky investments or neglect proper financial planning, which could spell trouble for their portfolios in the long run.

完全正确。由于担心无法安稳退休,人们可能会冒险投资或忽视适当的财务规划,这从长远来看可能会给他们的投资组合带来麻烦。

@cherylhills3227
It's a vicious cycle. If people can't afford homes, they might delay retirement savings, but if they focus solely on saving for retirement without considering their housing situation, they might miss out on potential investment opportunities.

这是一个恶性循环。如果人们买不起房子,他们可能会推迟退休储蓄,但如果他们只专注于为退休储蓄而不考虑住房情况,他们可能会错过潜在的投资机会。

@sebastiaanthijn7982
And let's not forget how the global economy plays into all of this. Economic instability, inflation, and market fluctuations can further complicate matters and add to people's financial worries.

不要忘记全球经济在这其中的作用。经济不稳定、通货膨胀和市场波动可能会进一步使问题复杂化,并增加人们的财务担忧。

@ericbergman7546
Most times it all comes down to proper financial planning cause most people don’t realize how important financial planners are until they messed up. Staying productive with the latest strategies and analysis really pays off. With professional help I turned $220k into $880k despite the market ups and downs.

大多数时候,这都归结于适当的财务规划,因为大多数人直到搞砸了才意识到财务规划师的重要性。保持最新的策略和分析真的很有回报。在专业帮助下,我把22万美元变成了88万美元,尽管市场有涨有跌。

@S62r
Why are you saying this before the election? We need to pretend everything is fine until November.

为什么在选举前说这些?我们需要假装一切都好,直到11月。

@dennisanderson3036
that in competitive markets businesses are not price setters but price takers. The fact that businesses are setting prices higher because they can reflects that the markets are not accepting new competitors, because there is a vision of profit, and existing businesses in the market have political or otherwise power to set prices. Home insurance market, pharmaceuticals, defense industry, Medical insurance…. The list goes on and on. We have just had 44 years of suppression of the enforcement of Anti Trust Laws.

在竞争性市场中,企业不是价格制定者而是价格接受者。企业提高价格的事实反映出市场不接受新竞争者,因为有利润的前景,而市场上的现有企业有政治或其他权力来制定价格。房屋保险市场、制药业、国防工业、医疗保险……名单还在继续。我们刚刚经历了44年反托拉斯法的执行被压制的情况。

@dogeared100
Bingo!

说得对!

@oliverlysaght
100%

完全正确。

@knobfieldfox
If it’s true, you could call it shadow cartel behaviour. But how can you prove it…

如果这是真的,你可以称之为影子卡特尔行为。但你怎么能证明呢……

@FrznFury27
We're also not talking about the dramatic decrease in the number of players in basically every market.

我们还没有讨论几乎每个市场中的参与者数量急剧减少的问题。

@stephenbonaduce7852
...This means that people ARE correct to ultimately blame corporate greed and Washington, D.C. for these economic problems, then, right? And from what I've seen it doesn't matter much which party is in power: the corporate greed continues unabated.

……这意味着人们确实应该最终将这些经济问题归咎于企业贪婪和华盛顿特区,对吗?从我看到的情况来看,哪个党执政并不重要:企业贪婪仍在继续。

@henrytep8884
@stephenbonaduce7852 yeah this if the Neo liberal regime since Reagan.

是的,这是自里根以来的新自由主义政权。

@timothyrockwell2638
How to do business like an American corporation-
Step 1: Buy politicians and lobby for regulations, tariffs, and subsidies to protect your monopoly and destroy domestic competition
Step 2: Cut costs by using cheaper materials and ingredients, cut employee wages and compensation, and refuse to innovate or do R&D so you can maximize shareholder value
Step 3: Outsource any remaining American jobs to the developing world and hire immigrants to work for less
Step 4: Act bewildered and wonder why line no go up when you gut your business operations and destroy the buying power of the American consumer at the expense of shareholder value
Step 5: Cry for more tariffs and regulations when China (or any competitor) surpasses the value offered by shoddy American products and services
Step 6: Lobby to weaponize the US dollar when other countries refuse to be exploited
Step 7: Watch American industry wither and die and the economy implode
Step 8: Blame China

像美国公司那样做生意的方法——
第一步:收买政客并游说法规、关税和补贴以保护你的垄断并摧毁国内竞争
第二步:通过使用更便宜的材料和成分来削减成本,削减员工工资和补偿,拒绝创新或研发,以最大化股东价值
第三步:将剩余的美国工作外包给发展中国家,雇佣移民以较低的工资工作
第四步:当你削减业务运营并以牺牲美国消费者购买力为代价来最大化股东价值时,装作困惑并想知道为什么业绩线没有上升
第五步:当中国(或任何竞争对手)超过劣质美国产品和服务提供的价值时,哭喊要求更多的关税和法规
第六步:当其他国家拒绝被剥削时,游说将美元武器化
第七步:看着美国工业枯萎,经济崩溃
第八步:指责中国

@kawerkamp
Insurance, utility prices.....

保险,公用事业价格…..

@junanougues
Pretty much. And then we blame Joe on the inflation thing.

差不多是这样。然后我们把通货膨胀的问题归咎于乔。

@damienwalter
It's not a cost-of-living crisis. It's an OMG-I-Am-Fucking-Poor crisis.

这不是生活成本危机。这是“天啊,我真穷”危机。

@jonlittle5032
The widening wealth equity gap is not a new theory.

财富不平等差距扩大并不是新理论。

@johnwu7
true but doesn't mean it isn't an issue NOW. Even more so, it needs to include the fiscal dominance in this talk to make sure we all see the holistic view.

确实如此,但这并不意味着它现在不是一个问题。更重要的是,这需要包括财政主导地位,以确保我们都能看到整体情况。

@everythingisfine9988
No, but everybody is wise to it now vs the old "boot straps" ideology

不是,但与旧的“自力更生”意识形态相比,现在每个人都看透了。

@jonlittle5032
@johnwu7 I said it wasn't a new theory, not an invalid one. The point is even respected news sites engage in clickbait. But, you know what Hearst said.

@johnwu7 我说这不是一个新理论,而不是一个无效的理论。关键是即使是受人尊敬的新闻网站也在做点击诱饵。但你知道赫斯特说过什么。

@zacanger
Economists and media keep telling us that the economy is fantastic, but we can't afford anything, so then they just tell us we're bad with money. Executives and landlords are cheering them on while raising prices and rent. You don't need a new economic theory to explain this, it's painfully obvious.

经济学家和媒体不断告诉我们经济很好,但我们什么都负担不起,然后他们只是告诉我们我们不会理财。高管和房东在涨价和加租的同时为他们欢呼。你不需要新的经济理论来解释这一点,这是显而易见的。

@StarLakeFarm
More pillow talk. Less economics

更多的是空谈。更少的是经济学。

@kurtfisher1379
The traditional unemployment rate does not capture real unemployment. You do not cite the labor participation rate which is dramatically lower than its peak in the 1990s.

传统的失业率未能反映实际的失业情况。你没有提到劳动参与率,它远低于1990年代的峰值。

@kaipo8085
“The United States of America has gone from an open, competitive marketplace to an economy where a few politically powerful companies dominate key industries that affect our daily lives.” — Denise Hearn (2018)

“美国已经从一个开放、竞争的市场转变为一个少数政治强大的公司主导关键行业的经济,这些行业影响着我们的日常生活。” ——丹妮丝·赫恩(2018)

@mr.makeit4037
Bravo! Exactly!

好极了!完全正确!

@tqbrowne
Millennial parents up in here Childcare expense is why I stopped teaching and changed careers. All under a political regime that is supposed to help civil servants.

千禧一代的父母在这里,育儿费用是我停止教学并转行的原因。这一切都在一个应该帮助公务员的政治制度下。

@andym4695
Some things you might be interested in looking at are historic housing prices. Look at cities. In my case, while things have levelled off, my house in Colorado Springs more than doubled in value from 2016 to 2020. Rents have followed suit. Inflation? I suggest you look at historical inflation in France, Germany, England, pick five random first-world countries.
Yeah, Biden failed in some areas. Every president fails in some ways. Maybe an autocracy would help? Look at Hungary, Turkey, other places of your choice. Ignore things like Duerted massacring homosexuals and focus on the benefits.
Keep in mind the saying, "when the Fed taps on the brakes, someone goes through the windshield". Do some research. Don't just focus on USA.

你可能感兴趣的一些事情是历史房价。看看城市。就我而言,虽然情况已经稳定下来,但我在科罗拉多斯普林斯的房子从2016年到2020年价值翻了一倍多。租金也随之上涨。通货膨胀?我建议你看看法国、德国、英格兰的历史通胀,随便挑五个发达国家。
是的,拜登在某些方面失败了。每个总统在某些方面都会失败。也许专制会有帮助?看看匈牙利、土耳其,你选择的其他地方。忽略像杜尔特杀害同性恋这样的事情,专注于好处。
记住这句话,“当美联储踩刹车时,有人会撞上挡风玻璃”。做一些研究。不要只关注美国。

原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


@ndgrad22
Would things be better for teachers under Trump or Biden, in your opinion? My mom was a teacher.

在你看来,在特朗普还是拜登的领导下,教师的情况会更好吗?我妈妈是一名教师。

@Nateasnay
Cheapness of food? Ezra leave the NYC bubble once in a while

食品便宜?埃兹拉,偶尔离开一下纽约市的泡泡。

@stoneneils
It very cheap now that I eat 1/3 what I used to. :)

现在我只吃以前的三分之一,所以很便宜。 :)
原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


@gethappy
Quality of life decline.

生活质量下降。

@davidpayant8684
You rely on false data. Unemployment does not measure people who are not looking for work. Those who have given up looking for work and are not registered at a state unemployment office are not counted. Housing costs are not in the measure of inflation. Millions work for minimum wage which is not a livable wage. College costs are not included. Moreover, people harken back to the 50s when one income could support a family. Wages have been stagnant for a long time.

你依赖错误的数据。失业率没有衡量那些不找工作的人。那些放弃找工作并且没有在州失业办公室登记的人不被计算在内。住房成本不在通货膨胀的衡量范围内。数百万人以最低工资工作,而最低工资无法维持生计。大学费用不包括在内。此外,人们回想起50年代,当时一个收入可以养家糊口。工资长期停滞不前。

@Nateasnay
If you're a Harvard grad the economy is great

如果你是哈佛毕业生,经济状况很好

@boringstuff1542
Are Harvard grads the only people that take these polls?

哈佛毕业生是唯一参与这些民意调查的人吗?

@firstlast8258
the numbers don't lie but liars use numbers

数字不会撒谎,但骗子会利用数字

@Nateasnay
She is Harvard grad

她是哈佛毕业生

@lisalasers
Summary: “The economy isn’t bad. People are just mad because they are frequently reminded that things cost way more than 4 years ago, and their wages haven’t gone up.”
Let’s talk consumer credit card debt.

总结:“经济并不差。人们只是因为经常被提醒物价比四年前高得多,而工资没有上涨而感到愤怒。”
让我们谈谈消费者信用卡债务。

@bobthetroll
A simpler explanation; the economy is terrible and the statistics you're referencing to claim otherwise are not actually relevant.

一个更简单的解释;经济很糟糕,你引用的统计数据实际上并不相关。

@dalepetersen1166
I talked to a 50 years old guy who owns a contractor business building pole buildings and barns. He said he was so busy he won't answer the phone anymore. The next thing he talked about was how the country is going to hell. He is so busy making money he won't answer the phone but thinks the country is going to hell. Just goes to show you the power of media

我和一个50岁的家伙聊过,他拥有一家承包商业务,建造柱状建筑和谷仓。他说他太忙了,不会再接电话了。他接下来谈论的是国家如何走向地狱。他忙于赚钱,不接电话,却认为国家走向地狱。这恰恰说明了媒体的力量。

@gauloise6442
My plumber said the same thing, but he also said that 80% of his business is to fix poor quality band-aid jobs done by the last plumber. And just because the barn building business is booming doesnt mean all sectors of the economy are booming.

我的水管工也说了同样的话,但他还说他80%的业务是修复上一个水管工做的质量差的临时修补工作。而且,仅仅因为谷仓建筑业务蓬勃发展并不意味着所有经济部门都在蓬勃发展。

@Pafemanti
Biden should say: "me and Obama made the 2010's great economy, Trump inherited it, then screwed it up by not taking the pandemic seriously because he doesn't listen to the experts. Now I'm cleaning up his mess."

拜登应该说:“我和奥巴马创造了2010年代的伟大经济,特朗普继承了它,然后因为他不听专家的话而没有认真对待疫情,把它搞砸了。现在我在收拾他的烂摊子。”

@illmatic19
The biggest line item on everyones budget (especially younger people) is their rent/mortgage. Housing prices have gone up drastically. So yeah you might have gotten a 7% raise and your 401k is doing OK but big goals like home ownership and starting a family are getting more and more out of reach.

每个人预算中最大的一项(尤其是年轻人)是他们的租金/抵押贷款。房价大幅上涨。所以是的,你可能得到了7%的加薪,你的401k也还可以,但拥有房子和组建家庭这样的重大目标越来越难以实现。

@stephenbonaduce7852
Indeed. And these are some of the main reasons that people aren't having kids, and the birthrate is well below replacement. We'll be looking at a cratering population--just when the worst effects of climate change are hitting us, I think!

确实如此。这些是人们不生孩子的主要原因之一,出生率远低于更替水平。我认为,当气候变化的最坏影响袭击我们时,我们将面临人口暴跌的问题!
原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


@mackiej
When will someone write an article that captures mortgages in 2024? Visual Capitalist took a step in the right direction by comparing median house price to median household income (the ratio by year). That's good for the third of home buyers that buy in cash (probably trading up to a nicer house).
They should compare the ratio of lifetime mortgage cost (principle + interest) to median household income. Or, annual new mortgage cost as a share of annual median household income.

什么时候会有人写一篇文章,谈一谈2024年的抵押贷款情况?视觉资本家通过比较中位房价和中位家庭收入(按年份的比例)朝着正确的方向迈出了一步。对于三分之一的现金购房者(可能换一栋更好的房子)来说,这很好。
他们应该比较终身抵押贷款成本(本金+利息)与中位家庭收入的比例。或者,年度新抵押贷款成本占年度中位家庭收入的比例。

@MrSteeDoo
and then there are tens of millions with a fixed rate mortgage like me who's housing costs remain flat.

还有数千万像我一样有固定利率抵押贷款的人,他们的住房成本保持不变。

@mackiej
@MrSteeDoo Fair point. It is also fair to say expensive housing impedes workforce mobility and makes it tough for first time homebuyers like couples.

公平的观点。同样可以公平地说,昂贵的住房阻碍了劳动力的流动性,并使像夫妇这样的首次购房者变得困难。

@JR-pr8jb
@MrSteeDoo Your home insurance, property taxes, utilities, and maintenance/repair costs are not flat. My house is paid off, but all other costs are going way up every year. God forbid that I need a new air conditioner or roof.

你的房屋保险、物业税、公用事业和维护/维修费用并不固定。我的房子已经付清了,但所有其他费用每年都在大幅上涨。天啊,希望我不需要新的空调或屋顶。

@JR-pr8jb
@mackiej Yes, thanks to Biden's student debt reductions, my 40-ish son and his wife (both holding decent jobs) were finally able to buy a small house, but the payments are crippling.

是的,多亏了拜登的学生债务减免,我40多岁的儿子和他的妻子(都有不错的工作)终于能买一栋小房子了,但房贷还款让人难以承受。

@juanvasquez6535
It isn't complex. The news media is awful. Housing costs, Health care, education costs, cast a pall over otherwise good numbers.

这并不复杂。新闻媒体很糟糕。住房成本、医疗保健、教育成本,使得其他原本不错的数据蒙上了阴影。

@geneclarke2205
A CEO of a hardware supply company said to me we raised prices (and our margins) significantly during the pandemic and we're not backing down. Or as an economist would say, prices are sticky and slow to adjust, meaning they do not respond quickly to changes in supply and demand. Just walk around a Home Depot or Lowes and prices haven't dropped even as the pandemic ended and supply chains recovered.

一家硬件供应公司的CEO对我说,我们在疫情期间大幅提高了价格(和利润率),我们不会退缩。或者用经济学家的话来说,价格具有粘性并且调整缓慢,这意味着它们不会迅速对供需变化做出反应。只需在Home Depot或Lowes走一圈,即使疫情结束,供应链恢复,价格也没有下降。

@atomicfly777
He'll back down when customers refuse to pay and look for better deals. Ultimately consumers fighting back is the only way to solve this problem.

当客户拒绝付款并寻找更好的交易时,他会退缩。最终,消费者的反击是解决这个问题的唯一途径。

@funzo5
Voice from the Ground here, my wife and I can't afford our two bedroom apartment let alone a house to start a new family. If our elites can't solve this for us it's time for them to go. You can build all the houses you want If they are all bought buy slum lord companies it won't solve it.

基层声音在此,我和我妻子连两居室公寓都负担不起,更不用说买房子来组建新家庭了。如果我们的精英不能为我们解决这个问题,那是他们该走的时候了。你可以建所有你想要的房子,如果它们都被贫民区的公司买走了,这也解决不了问题。

@Ryan-Fkrepublicnz
Inflation is a direct result of income inequality. Simple math, those with extra money buy assets and that raises rents and mortgages. Same with equities (as CEOs raise prices to get the P/E into less crazy territory).... Without tax there is no mechanism to remove money.

通货膨胀是收入不平等的直接结果。简单的数学,有多余钱的人购买资产,这就抬高了租金和抵押贷款。股票也是如此(因为CEO提高价格以使市盈率进入不那么疯狂的领域)……没有税收就没有机制来移除资金。

@jamesbennett5430
Being a busy contractor doesn’t mean you’re making money.
Inflation is a major factor in higher prices and lower profits.
You can be insolvent and very very busy.
The media problem is ‘they’re mostly a dumb and inexperienced as a box of rocks.

作为一个忙碌的承包商并不意味着你在赚钱。
通货膨胀是价格上涨和利润下降的主要因素。
你可能忙得不可开交,但仍然无力偿债。
媒体问题是‘他们大多和一盒石头一样愚蠢和缺乏经验’。

@mackiej
The hard news orgs still do a pretty good job: Reuters, AP, BBC, and many local newspapers.
Turn off cable news channels; it is often opinions-first infotainment. Don't use an article written by the summer intern or an opinion columnist to paint the whole news company with a broad brush. Beat reporters--like traffic reporters who have covered the same thing for years--have a good idea what is going on in their specialty. The specialization creates value for the reader.

严肃的新闻机构仍然做得很好:路透社、美联社、BBC以及许多当地报纸。
关闭有线新闻频道;它通常是意见优先的信息娱乐。不要用一个暑期实习生或意见专栏作家的文章来概括整个新闻公司。资深记者——比如多年来报道同一事件的交通记者——对他们的专业领域发生的事情有很好的了解。专业化为读者创造了价值。

@Frederique41
Where did you take your figures? Did the data included the homeless and the low economic class? It sounds unreliable, all that bla bla!

你是从哪里得到这些数据的?数据是否包括无家可归者和低经济阶层?听起来不可靠,都是废话!

@roycrosby4941
Inflation inflation inflation. Since 2019 your cost of living has risen 30%.

通货膨胀通货膨胀通货膨胀。自2019年以来,你的生活成本上涨了30%。

@Nateasnay
Fairly easy to get wages up for rich people ya think?

对于富人来说,工资上涨相当容易,你认为呢?

@BBQDad463
Every year, my Social Security check is increased. Then, my Medicare premiums go up by an amount equal to the increase in my Social Security check. So an extra $100.00 per month comes in, then it goes right back out, then I have to pay income tax on the $100.00. Thus, I end up poorer after getting a raise.
Why would anyone be surprised that I am mad?

每年,我的社保支票都会增加。然后,我的医疗保险保费上涨的金额等于我的社保支票增加的金额。因此,每月多出100美元,然后它又马上流出,然后我必须为这100美元支付所得税。因此,加薪后我反而变得更穷。
为什么有人会对我生气感到惊讶呢?

@bugs389
what has not been talked about is drilling into unemployment more. More specifically, UNDER-employment. Yeah sure unemployment (by the survey's limited qualifiers) is low. But... The quality of jobs has gotten worse. The gig economy and part time job economy is lowering these unemployment numbers, while screwing the workers whose total compensation is terrible (no benefits). Additionally, we have companies going more lean (see tech layoffs) to squeeze profits. We have a white collar job recession. Unemployment may be relatively low, but the quality of jobs is trash.

还没有讨论更多的失业问题。更具体地说,是就业不足。是的,按调查的有限资格,失业率很低。但是……工作的质量变得更差。零工经济和兼职经济正在降低这些失业数据,同时搞垮了那些总薪酬很差(没有福利)的工人。此外,我们还有公司在裁员(见科技行业裁员)以压榨利润。我们有一个白领工作衰退。失业率可能相对较低,但工作的质量很差。

@stephenbonaduce7852
I agree with this completely. You're only as secure as your current job, and you can't count on keeping it, because you can be laid off at a whim. Corporate management likes to tell you that your career is under your control, but that like most of what corporate America peddles, is a lie.

我完全同意这一点。你的安全性只取决于你当前的工作,你不能指望保住它,因为你可能会随时被解雇。企业管理层喜欢告诉你你的职业生涯在你的掌控之中,但这就像美国企业推销的大多数东西一样,是一个谎言。

@MrSteeDoo
Low tax rates on wealthy investors mean they search for investment opportunities like buying up housing and renting it out to you. That lowers the supply and keeps those assets up in price.
It's all about wealth inequality.

对富有投资者的低税率意味着他们寻找投资机会,比如购买房屋并出租给你。这降低了供应量,并保持这些资产的价格上涨。
这一切都与财富不平等有关。

@gladyskravitz1000
@MrSteeDoo No, in my little town and in the big city, people bought up the homes at 0% and at 5.5%. If they could flip or rent the homes for less than the cost to own the home they do. A hard working handy man who can fix up or maintain homes will buy a second home as income and investment. He is not rich. He is merely making money on his skill. The rich guy who rents his house may chose Vegas vacations instead of saving. Nothing in the bank, but he has a high paying job. Wealth inequity will always grow because zero is flat and some people always make and have zero. With inflation, others will make and have more. So depression is the only way to cause wealth equity, everyone has zero. But as long as there are more and more government employees, they always benefit when high taxes and depression kill everyone who does not make money through the government.

不,在我的小镇和大城市,人们以0%和5.5%的利率买房。如果他们可以翻新或出租房屋的成本低于拥有房屋的成本,他们会这样做。一个勤劳的手工艺人可以修理或维护房屋,会购买第二套房作为收入和投资。他不富有。他只是靠自己的技能赚钱。那个出租房子的有钱人可能会选择去拉斯维加斯度假而不是储蓄。银行里没有钱,但他有一份高薪工作。财富不平等将永远增长,因为零是平的,有些人总是挣零或拥有零。随着通货膨胀,其他人会挣更多。所以萧条是导致财富平等的唯一途径,每个人都没有。只要政府雇员越来越多,当高税收和萧条杀死所有不通过政府赚钱的人时,他们总是受益。

@MrSteeDoo
@gladyskravitz1000 I am a government employee. I do Survey work on road construction. Are you telling ;me that I am the problem? LOL

我是一个政府雇员。我在做道路建设的调查工作。你是说我是问题所在吗?哈哈

@theboyisnotright6312
At work about every other month they post a letter in the break room praising all of the employees for record monthly sales. But when you get your review, well 3% is all they can give you, sorry its the budget you know. But hey they bought us pizza on Friday . I can think if a couple places id like to stick that pizza 9:53

工作中,每隔一个月他们就在休息室里贴一封信,赞扬所有员工创下月销售记录。但是当你得到你的评价时,嗯,他们只能给你3%,对不起,你知道的预算。不过嘿,他们在星期五给我们买了披萨。我能想到几个地方我想把那个披萨塞进去。

@franklinmachin8
How many times did Donald Trump declare bankruptcy?

唐纳德·特朗普宣告破产了多少次?

@philipwong895
Politics determines how wealth is distributed within a country, while wars and diplomacy determine how wealth is distributed between countries.
The citizens of the world's richest country with the most expensive military are enjoying these benefits: Economic inequality, inflation, stagnant real wages for the last fifty years, costly healthcare, an expensive education system, student loan debt totaling $1.7 trillion with an average balance of $38,000, poor public transportation systems, racial inequality, mass incarceration, the militarization of police, deteriorating infrastructure, housing affordability, homelessness, the opioid epidemic, and gun violence.
Instead of prioritizing the welfare of its people, the US meddles in other countries to spread its version of democracy.

政治决定了一个国家内部的财富分配,而战争和外交决定了国家之间的财富分配。
世界上最富有的国家,拥有最昂贵的军事力量,其公民正在享受这些好处:经济不平等、通货膨胀、过去五十年实际工资停滞、昂贵的医疗保健、昂贵的教育体系、总计1.7万亿美元的学生贷款债务,平均余额为3.8万美元、糟糕的公共交通系统、种族不平等、大规模监禁、警察军事化、基础设施恶化、住房负担能力差、无家可归、阿片类药物流行和枪支暴力。
美国没有优先考虑其人民的福利,而是干涉其他国家,传播其版本的民主。

@BufordDuckworth
If I still have student loans in November I'm staying home on election day.

如果到11月我还有学生贷款,我将在选举日待在家里。

@JR-pr8jb
Hate for immigrants is weird. Here in Desantis's fascist Florida, even apart from agriculture, life would STOP without the quiet brown guys who build/repair our streets/sewers/bridges, construct our buildings, replace our roofs, etc. The Hispanic females who care for our children, staff our big-box stores, etc.

对移民的仇恨很奇怪。在德桑蒂斯的法西斯佛罗里达,即使不谈农业,如果没有那些建造/修理我们的街道/下水道/桥梁、建造我们的建筑物、更换我们的屋顶的安静的棕色人种,生活将停止。照顾我们孩子的西班牙裔女性、在我们的大型商店工作的员工等等。

@Rnankn
Education, health, housing, and child care are the difficult to globalize sectors. They increased in price relative to everything else because they could not be off-shored to China. In addition to being domestically anchored, they are the traditionally feminized sectors, which are ‘care’ services, requiring emotional ‘work’, and human connection. Until the 20th century, these social needs were met as part of household management, as gendered work. Often this was supplemented by the church delivering services to local communities. In most advanced economies, as religion declined in importance and women joined the workforce, welfare states took over responsibility for those sectors, and transformed them into modern public services.

教育、医疗、住房和儿童保育是难以全球化的部门。它们的价格相对于其他所有东西都上涨了,因为它们不能被外包到中国。除了在国内有基础外,它们还是传统上女性化的部门,是需要情感“工作”和人际联系的“关怀”服务。直到20世纪,这些社会需求作为家庭管理的一部分得到满足,作为性别化的工作。通常,教会提供的服务补充了当地社区。在大多数发达经济体中,随着宗教重要性的下降和女性进入劳动力市场,福利国家接管了这些部门的责任,并将其转变为现代公共服务。

@arxsyn
@Rnankn Accurate. In America, the rearing of healthy, well socialized, educated and emotionally intelligent, emotionally stable children is dued as are the roles around caregiving and mental health. I would like to see a change. There is too much emphasis on pure economics, not enough on well being and human flourishing.

准确。在美国,抚养健康的、社会化良好的、受过教育的、情商高的、情绪稳定的孩子的价值被贬低了,照顾和心理健康的角色也是如此。我希望看到改变。过于强调纯经济,而不是福祉和人类的繁荣。
原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


@craigrussell7542
Part of the problem... Our brains are distorted by the flood of social media that constantly shows us friends on holiday, buying something cool, having a great meal, attending a concert or other exciting event. We see the icing on their cake, not the reality of their workdays, childcare, housework, etc. But we are fooled, and feel less-than.

问题的一部分……我们的脑子被社交媒体的洪流扭曲了,社交媒体不断向我们展示朋友们度假、买酷东西、吃美食、参加音乐会或其他令人兴奋的活动。我们看到的是他们蛋糕上的糖霜,而不是他们工作日、育儿、家务等的现实。但我们被欺骗了,感到自卑。

@numericalcode
People will feel more optimistic when they start to see more crypto influencers toss money in the air.

当人们开始看到更多的加密货币影响者在空中撒钱时,他们会感到更乐观。

@DanielOlivares-xy3sd
people can't afford groceries and rent. look at the amount of credit card debt in America...record highs...

人们买不起食品和房租。看看美国的信用卡债务……创下历史新高……

@We90909
It isn't that hard i have kept receits for the past 4 years i can clearly see my expenses have skyrocketed buying same things.

这并不难,我过去四年一直保存收据,我可以清楚地看到买相同的东西,我的开支飙升了。

@missshroom5512
Nobody talks about how medical bills no longer effect your credit scores. That’s huge for mortgages, loans..ect

没有人谈论医疗账单不再影响信用评分。这对抵押贷款、贷款等是个巨大的利好。
原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


@user-zb2st6zi6j
an exile Russian talked about what is happening inside Russia right now. Basically, he said that the wealth in Russia was going to the war and to the oligarchs who kept Putin in Power. This left no money for the ordinary citizens. The same thing is happening here just slower and in a less dramatic fashion. There is only so much money, and as the inequality increases -- i.e. the rich get richer, the money has to come from somewhere. Where it comes from is the ordinary citizens who gets poorer.

一位流亡的俄罗斯人谈论了俄罗斯现在的情况。基本上,他说俄罗斯的财富都用于战争和维持普京掌权的寡头。这使得普通市民没有钱。同样的事情也在这里发生,只是速度较慢,戏剧性较低。钱是有限的,随着不平等加剧——也就是说,富人更富,这些钱必须来自某个地方。这些钱来自变得更穷的普通市民。

@kaipo8085
“Your dollar will be worth just as much tomorrow as it is today.” — President Richard Nixon (R), August 15, 1971
"Ronald Reagan proved that budget deficits don't matter." -- fmr. Vice President Richard Cheney (R), October 2002
“I have abandoned free market principles to save the free market system." -- President George W. Bush (R), December 16, 2008

“你的美元明天的价值将和今天一样。” ——总统理查德·尼克松(共和党),1971年8月15日
“罗纳德·里根证明了预算赤字无关紧要。” ——前副总统理查德·切尼(共和党),2002年10月
“为了拯救自由市场体系,我放弃了自由市场原则。” ——总统乔治·W·布什(共和党),2008年12月16日

@bobbresnahan8397
We have WORSE health outcomes than Europe. We do not have a real budget deficit. We have homelessness, poor health care, etc. because our elected officials in WA knowingly refuse to finance basic needs. We have unused economic resources and we knowingly do not use them. Modern monetary theory tells the story and apparently you guys can't afford the time or energy, despite your jobs, to learn about it.

我们的健康状况比欧洲更糟糕。我们没有真正的预算赤字。我们有无家可归者,糟糕的医疗保健等,因为我们在华盛顿的民选官员故意拒绝为基本需求提供资金。我们有未使用的经济资源,我们故意不使用它们。现代货币理论解释了这一切,显然你们尽管有工作,却没有时间或精力去了解它。

@BirthingBetterSkills
Americans are always caught between their belief in 'entitlement' for 'cheap goods' and their belief that Business should be deregulated and government should not interfere with Business. This produces an insane economy. 'Cheap goods' come from overseas countries with 'cheap labor' and often no environmental concerns. On the other hand, there is a belief that everything should be privatized to keep government out of our business ... so to speak. And, the business model of Business shifted to profits for shareholders and high CEO salaries and therefore, prices such as medical care, housing, and child-care all become 'for-profit' and not for wellness or affordability and therefore off the wall expensive. When everything is 'privatized' with such a business model, then expect to have your money sucked out and aggregated upwards.

美国人总是陷入“享有廉价商品”和“企业应当放松管制,政府不应干预企业”的理念之间。这导致了一个疯狂的经济。“廉价商品”来自“廉价劳动力”的海外国家,而且往往没有环境问题。另一方面,人们认为一切都应该私有化,以便政府不干预我们的事务……可以这么说。而且,企业的商业模式转向股东利润和高管薪酬,因此,医疗、住房和儿童保育等价格都变成了“盈利性”而不是为了健康或负担得起,因此价格高得离谱。当一切都以这种商业模式私有化时,预计你的钱会被吸走并向上聚集。
原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


@Bernard-fo2qo
Our evolved system has destroyed competition, and we have moved from pure competition to oligopoly to duopoly to monopoly and we are now in a condition of corporate aristocracy where the corporations are the new kings and we are the new peasants.

我们演变的制度已经摧毁了竞争,我们从纯竞争走向了寡头垄断,再到双头垄断,现在我们处于企业贵族统治的状态,公司是新的国王,我们是新的农民。

@joeyrufo
Hey, guys, didn't Uncle Karl have a point about paying attention to the balance between people's needs and their abilities?

嘿,伙计们,卡尔叔叔关于关注人们需求和能力平衡的观点难道没有道理吗?

@freeandcriticalthinker4431
Can anyone spell GASLIGHTING. There is factors that have intentionally not been accounted for, simply for the optics of it for political purposes. I don’t need my Finance Degree in Economics to obxtively analyze this. Deferring your Critical Thinking skills to “the experts and institutions” we have in this time in history is simply a Fools Errand.

有人能拼写“煤气灯效应”吗。有些因素故意没有被考虑进去,纯粹是为了政治目的的表面文章。我不需要我的经济学金融学位来客观分析这个。把你的批判性思维技能交给我们这个历史时期的“专家和机构”简直是愚蠢的差事。

@WW3_Historian
Around an hour and 11 minutes in it was said the public feels like they're being gaslighted. That is the only thing they got correct.

在大约1小时11分钟时,有人说公众觉得自己被操控了。这是他们唯一说对的事情。

@kimferzoco6755
Why are people unhappy with the economy? It’s obvious, right? A lot of places are having layoffs, salaries haven’t kept up with inflation, and prices are out of control. Why is it a surprise that people are unhappy?

为什么人们对经济不满?这显而易见,对吧?很多地方都在裁员,工资没有跟上通货膨胀,价格失控。人们不满有什么好惊讶的?

@gauloise6442
Unemployment data doesn't cover freelancers and contract workers, which are said to make up a third of the workforce. I freelance and went from working hours of almost 2 full time jobs to almost nothing. And what is out there, the rates are really low for tedious, time-consuming work.

失业数据不包括自由职业者和合同工,据说他们占劳动力的三分之一。我做自由职业,从几乎两份全职工作时间到几乎没有。而且外面的工作,报酬真的很低,对于单调、耗时的工作来说。

@Ryanandboys
I'll slow you one stat from my county where I live that's more than makes up for any reduced inflation or even dropping in prices. Home in my county (very poor area in northern NY) went from avg of $78k to just under $200k in 3 years and mortgage rates doubled and housing inventory is down 92%. So that means the average mortgage here went from $330 a month in 2020 to $1,500 a month in 2024 and it's actually worse than that because there's no homes for sale in the market of home I would be looking at buying would would have been in the rage of $225,000 before the pandemic and now it's $600,000 even up here. So the mortgage on a house I would have got would have been about $900 a month now it's about $4,500 a month and insurance and tax's would be much higher as well. So no the lower of the gain in inflation doesn't do anything compared to that. But anyone that owns assets like a home with a 2.8% mortgage like all my older siblings they all got almost a half million dollars in equity gained in their house some even more in my home state of Massachusetts for doing nothing..

让我慢慢告诉你一个我所在县的统计数据,这个数据足以弥补任何减少的通货膨胀甚至价格下跌。我所在县(纽约北部非常贫困的地区)的房价在三年内从平均7.8万美元涨到刚刚低于20万美元,抵押贷款利率翻了一番,房屋库存下降了92%。这意味着这里的平均抵押贷款从2020年的每月330美元涨到2024年的每月1500美元,实际上情况更糟,因为在我看房的市场上没有房子出售,疫情前价格会在22.5万美元左右,现在甚至在这里也涨到了60万美元。所以我本来可以买的房子的抵押贷款大约是每月900美元,现在大约是每月4500美元,而且保险和税收也会高得多。因此,通货膨胀的降低与此相比毫无意义。但任何拥有资产的人,比如拥有2.8%抵押贷款的房子,就像我所有年长的兄弟姐妹一样,他们都在房屋中获得了近50万美元的权益,有些人在我的家乡马萨诸塞州甚至更多,而他们什么都没做。

@Brad14397
It’s ridiculous that “prices” don’t include housing or healthcare. Sure, “prices” are in line with wages. That doesn’t matter when basic rent and healthcare have doubled.

“价格”不包括住房或医疗保健是荒谬的。当然,“价格”与工资一致。当基本房租和医疗费用翻倍时,这并不重要。

@jimgraham6722
Mad angry or mad insane. For many it seems to be both.

愤怒或疯狂。对许多人来说,这两者兼而有之。

@robertjones447
I like Joe Rogan much more than this guy. I call him "Better Than Ezra."

我更喜欢乔·罗根,而不是这个人。我称他为“比以斯拉好”。

@5pp000
termites. Not literal termites, but economic termites: businesses that worm their way into some small niche of the economy and start slowly devouring it. A lot of this has been made possible by the abandonment of antitrust policy by the Reagan administration. Considering that businesses can now just buy up all their competitors, it's not surprising that prices are stubbornly high.

白蚁。不是真正的白蚁,而是经济白蚁:企业蚕食经济中的某个小利基市场并开始慢慢吞噬它。这在很大程度上是由于里根政府放弃了反垄断政策。考虑到企业现在可以收购所有竞争对手,价格顽固地居高不下也就不足为奇了。

@JR-pr8jb
You don't mention the purchase price of new and used cars, or the cost of maintenance/repairs. Transportation is a necessity.

你没有提到新车和二手车的购买价格,也没有提到维护/修理的成本。交通是必需品。

@5pp000
We have not yet come to grips with the elephant in the housing market.
Homeowners have both the political power and the financial incentive to restrict supply and drive up prices. Universal homeownership is a chimera, and a particularly destructive one to pursue, because once a majority of people own homes, they can shut down construction for the rest. And that is exactly what has happened. The result has been a massive transfer of wealth from younger generations to the Boomers.
There is no way to keep housing affordable in the long run except to limit homeownership to about 1/3 of the population. If 2/3 of people rent, they will demand sufficient construction.

我们还没有真正解决住房市场中的大问题。
房主既有政治权力又有经济激励来限制供应并推高价格。全民拥有住房是一种幻想,而且是一种特别具有破坏性的追求,因为一旦大多数人拥有房屋,他们就可以停止其余的建设。这正是发生的事情。结果是财富从年轻一代大规模转移到婴儿潮一代。
从长远来看,除了将房屋所有权限制在大约三分之一的人口外,没有其他办法可以保持住房的负担能力。如果三分之二的人租房,他们将要求足够的建设。

@23erisx
The cost of a mortgage, the rising interest rates for loans of any kind, the cost of insurance for both homes and cars, have skyrocketed; I can't really say the same about wages. As someone on the lowest end of the wage scale I can tell you that despite what Ezra says, my wages have NOT kept pace with my rent, my car payment, my insurance, gasoline, the groceries, etc etc. I'm not young and not looking to buy a home at this point, but any thought I had of retiring has vanished along with my 401k. I'm not alone. I'm part of a growing segment of the population. And we are NOT being discussed here - it's like we don't exist or they think we're making this up. But you can't, you know. You can't make this up.

抵押贷款成本、任何类型贷款的利率上升、房屋和汽车保险成本都飙升了;我不能说工资也一样。作为工资最低端的人,我可以告诉你,尽管Ezra这么说,但我的工资并没有跟上我的房租、车贷、保险、汽油、食品杂货等的步伐。我不年轻,目前也不打算买房,但我曾经考虑过的退休计划已经随着我的401k消失了。我不是一个人。我是人口中一个不断增长的部分。我们在这里没有被讨论——好像我们不存在,或者他们认为我们在编造故事。但你不能,你知道的。你不能编造这些。

@bobbyvermontreal9037
These guys are missing the mark. If the government doesn't balance the budget we pay the price. Fiat/corporate slavery. The empire is falling.

这些人没有抓住重点。如果政府不平衡预算,我们就要付出代价。法币/公司奴隶制。帝国正在崩溃。

@theodorearaujo971
It's about disposable income. The economy seems solid because of the violent increase of debt at all levels. This too shall end.

这关乎可支配收入。经济看似稳固,因为各级债务大幅增加。这也将结束。

@voidwraithprime8521
Greedflation is a huge problem when the goods and services in question are necessary goods. I'm poor enough that I spend all of my money, living paycheck to paycheck. As prices for everything rose, I had to put the excess cost of my life on credit cards. That debt still exists even as things change for the better (not nearly fast enough).

当所涉及的商品和服务是必需品时,贪婪通胀是一个大问题。我足够穷,我花光了所有的钱,靠薪水生活。随着一切价格的上涨,我不得不把生活的额外成本放在信用卡上。即使情况有所好转(速度不够快),这些债务仍然存在。

@jhull5870
Builders are concentrating on building apartment units and senior multi housing units. Health care costs going up while we send billions of money to other countries. We need to take care of Americans first. One reason why Americans are pissed off. As far as food, we have too many individuals having children who can barely take care of themselves, yet they expect society to help feed their children.

建筑商专注于建造公寓单元和老年人多户住宅单元。医疗费用上涨,而我们向其他国家送出数十亿美元。我们需要首先照顾美国人。这就是美国人生气的原因之一。至于食品,我们有太多个人有孩子,他们几乎无法照顾自己,但他们期望社会帮助养活他们的孩子。

@janaka861
Fascinating discussion - my perspective (I am 69): Your discussion was rife with comments about interest rates as being really high. Well it depends how old you are. My parents (who lived through the Depression) bought their first home after WWII and paid 6% interest! During my working life interest rates were NEVER that low and were 10-19% for cars, housing, education borrowing, etc. I lived through what was thought at the time to be very high unemployment - 8%. Now we have 3.2% unemployment. The recent home loans for 4% were an amazing gift to me. I chased (kept refinancing) my home loans while they went down -how low can they go? Now they have bottomed out and have gone up a small amount. 5% home loans are a huge gift (if you are 69). My two oldest children have bought homes with 4-5.5% notes. They think they are very high interest rates. I do understand but both myself and my children are in the same economy and have different perspectives.

引人入胜的讨论——我的观点(我69岁):你的讨论充满了关于利率非常高的评论。好吧,这取决于你的年龄。我父母(经历过大萧条的人)在二战后购买了他们的第一套房子,并支付了6%的利息!在我的工作生涯中,利率从未如此之低,汽车、住房、教育借款等的利率为10-19%。我经历了当时被认为是非常高的失业率——8%。现在我们的失业率是3.2%。最近的4%的住房贷款对我来说是一个惊人的礼物。我在利率下降时不断重新贷款——它们能降到多低?现在它们已经见底,并略有上涨。5%的住房贷款是一个巨大的礼物(如果你是69岁)。我的两个大孩子以4-5.5%的利率买了房子。他们认为利率非常高。我理解,但我和我的孩子们在同一个经济体中,却有不同的看法。

@waynedawson7613
Appreciate that you actually say what is unwritten. As I save for a house, it is always running away from me. ... and health care? Very good and thank you. Now, if only the politicians would finally see that they haven't given a darn for about 30 years!!!!!

感谢你说出了未写的东西。当我为买房存钱时,它总是离我而去。...医疗保健?非常好,谢谢。现在,只要政客们终于看到他们30年来根本不在乎!!!
原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


@KhyberPunk
For younger and/or lower income people, the situation is horrible for the upward life trajectory that they might expect. Even if the jobs/wage data is 100% as wonderful as it's made out to be, those aren't even close to making up the gap in housing costs and interest rates. The stock market also doesn't really matter unless you have tens of thousands to throw at 1 or 2 tech stocks.
This is also likely the main reason why Biden is losing lower income minority voters. It's aspirational.

对于年轻人和/或低收入人群来说,他们可能预期的向上生活轨迹的情况是可怕的。即使工作/工资数据是100%美好的,也无法弥补住房成本和利率的差距。除非你有数万美元投入1或2只科技股,否则股市也不重要。
这也可能是拜登失去低收入少数族裔选民的主要原因。这是有抱负的。

@lisalasers
You gus ignore corporate profits and the growing income & wealth gaps. our STANDARD of living is going down and you dance around this with government economic speak.

你们忽略了企业利润和日益扩大的收入和财富差距。我们的生活水平正在下降,而你们用政府的经济言论对此避而不谈。

@ComeCleanAmerica
Trickle down economics and trickle down morality in religion are based on the patron-client relationship, or the divine right of power to control the good fortunes of dependents, jobs from corporations and self-righteousness privilege from God. Neither are based on the natural rights of humanity to life, liberty and pursuit of happiness (a good life well lived).

涓滴经济学和宗教中的涓滴道德基于恩客关系,或掌控附庸命运的神圣权力,来自企业的工作和来自上帝的自以为是的特权。两者都不是基于人类对生命、自由和追求幸福(美好生活)的自然权利。

@Ryanandboys
Swedish tax rates on lower middle class people are 3x higher that's the trade off. Child care is very simple there are over a billion woman around the world that would love to come to America with a special worker visa and make $15 per hour. Like the Au Pair programs when they live with the family and get all the expenses paid are the best example. But no that's illegal. There is no way you can pay childcare workers more and lower the cost to parents unless childcare workers become much more productive and that's not going to happen. Or you can subsidize it like Sweden does but we still have the pay the same amount for it just through our taxes. We already have a labor shortage and childcare is pretty low productivity and low paying so no way you will get enough workers if your only hiring Americans. It's unsolvable unless you get workers from outside of America.

对低收入中产阶级的瑞典税率是美国的三倍,这是权衡。儿童保育非常简单,世界上有超过十亿的女性愿意持特殊工作签证来美国,每小时赚15美元。像互惠生计划,当他们与家庭同住并支付所有费用时,就是最好的例子。但不,这是非法的。除非儿童保育工作者变得更有生产力,否则你不可能支付更多的费用给儿童保育工作者并降低父母的成本,这不可能发生。或者你可以像瑞典那样补贴它,但我们仍然通过税收支付相同的费用。我们已经有劳动力短缺的问题,儿童保育的生产率和工资都很低,所以如果你只雇用美国人,你不可能找到足够的工人。除非你从美国以外的地方找到工人,否则这是无法解决的。

@PoliticalEconomy101
Why do we let the capitalist class organize the people to serve their economic interests, rather than the people organizing capital to serve their economic interests?

为什么我们让资本家阶级组织人民为他们的经济利益服务,而不是人民组织资本为他们的经济利益服务?

@geoffreythomas7319
I thought that the 2% inflation target was arrived at when modeling the sheep at market in New Zealand.

我以为2%的通货膨胀目标是在新西兰市场建模羊群时得出的。
原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


@theodorearaujo971
It's about disposable income. The economy seems solid because of the violent increase of debt at all levels. This too shall end.

这关乎可支配收入。经济看似稳固,因为各级债务大幅增加。这也将结束。

@chrisvild1263
While that is no small amount for most consumers, producing the phone in America would cost more than double. One report found that producing an iPhone in the U.S. would cost around $2,400.

虽然这对大多数消费者来说不是一笔小数目,但在美国生产手机的成本将是现在的两倍多。一份报告发现,在美国生产一部iPhone的成本约为2400美元。
原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


@theboyisnotright6312
If you think people are angry now, wait until people start going hungry. That's when the torches and pitchforks come out. I think it's past time for that honestly. Read or reread Grapes of Wrath.

如果你认为人们现在很生气,等到人们开始挨饿时情况会更糟。那时候火把和干草叉就会出现。我认为现在该做些什么了。读或重读《愤怒的葡萄》。

@MsGenXodus
I live in one of the most affordable apartment buildings in my city (that isn’t designated for low income). Here’s the thing, though… I’m not low income. I earn $90k or more per year. The rent is comfortable for my budget ($1,800/ month).
I have no idea how people are able to afford the average rent in my area for 2 bedroom apartments is around $2300 a month. Obviously, I could afford a higher priced unit, but I need to save for retirement and I’m over 50 so health insurance is quite expensive for my age demographic.

我住在我市最实惠的公寓楼之一(不是专为低收入者设计的)。但是,我并不低收入。我每年赚9万美元或更多。这个租金对我的预算来说很合适(每月1800美元)。
我不知道人们是如何负担得起我所在地区两居室公寓的平均租金大约为每月2300美元的。显然,我可以负担更高价位的单元,但我需要为退休储蓄,而且我已经超过50岁,所以健康保险对我的年龄段来说相当昂贵。

I seriously have no idea how people can afford rents on larger properties. Like, how many people in my region are earning more than $150,000 a year? With housing prices rising to a median of $500k and rents being about $4-5k per month for a family sized home, something isn’t adding up.

我真的不知道人们如何负担得起更大物业的租金。比如,我所在地区有多少人年收入超过15万美元?随着房价中位数上涨到50万美元,家庭住房的租金大约为每月4-5千美元,有些东西不对劲。

@JohnChampagne
People will buy what they need. If people don't buy things that they don't need until two weeks or two months later, how is that a problem? It's only a problem in a world where natural wealth is not shared. [Not sharing natural wealth means that poor people get EVEN poorer, as the rich get richer due to their heightened ability to maneuver into the most advantageous positions from which to gain more wealth / exploit a free ride on the Commons. (We are not accounting for externalities, so much of the opportunity the economy provides for amassing wealth / making profit is related to instances where environmental costs are foisted onto the larger society, future generations and the larger community of life.)]

人们会买他们需要的东西。如果人们不买他们不需要的东西,直到两周或两个月后,这有什么问题吗?只有在自然财富不共享的世界里才是问题。[不共享自然财富意味着穷人变得更穷,因为富人由于他们更能操纵到最有利的地位来获得更多财富/利用公共资源的免费机会而变得更富。(我们没有考虑外部性,因此经济提供的积累财富/盈利的许多机会都与环境成本被推给更大的社会、后代和更大的生命共同体有关。)]

IF natural wealth were shared, people would be assured of a substantial minimum. There would be less pressure on central banks to 'juice the economy' by boosting the money supply. The system could be dynamically stable without manipulation of interest rates by government, if natural wealth were shared.

如果自然财富是共享的,人们将保证有一个实质性的最低标准。中央银行将减少通过增加货币供应量来“刺激经济”的压力。如果自然财富是共享的,系统可以在不通过政府操纵利率的情况下实现动态稳定。
原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


@masoodrazaq
Prices are going up because there is not enough competition and too much regulatory capture by companies through lobbying. The government can’t afford to spend more on social services because the defense budget sucks out about half of government receipts. America could make different choices if the political will was there. Political parties seem more interested in culture wars and manufactured problems than solving actual problems faced by ordinary people. There is a general lack of clarity on cause, effect and possible solutions.

价格上涨是因为竞争不足,企业通过游说获得了太多的监管控制。政府不能在社会服务上花更多的钱,因为国防预算耗尽了大约一半的政府收入。如果有政治意愿,美国可以做出不同的选择。政党似乎更感兴趣于文化战争和人为制造的问题,而不是解决普通人面临的实际问题。对原因、影响和可能的解决方案普遍缺乏清晰认识。

@smittywerbenjagermanjensenson
I get the feeling that phones are a huge part of the issue. People are primed to be emotional. They keep buying the same products that are getting more expensive cause they’re addicted to them. I think that’s probably the biggest change that we’ve experienced as a society maybe ever, and just in the last 10/15 years.

我感觉手机是问题的很大一部分。人们很容易情绪化。他们继续购买越来越贵的相同产品,因为他们对这些产品上瘾。我认为这可能是我们作为一个社会经历过的最大变化,也许就在过去的10/15年间。

@charlesbonnet8057
Compared to other factors, I don't think phones are a big part of the squeeze that people are feeling right now. We don't spend as much on mobile phones per month as we do on groceries, or rent, or house payments, or car payments.

与其他因素相比,我不认为手机是人们现在感受到的压力的一大部分。我们每月在手机上的花费不像在杂货、房租、房屋贷款或汽车贷款上的花费那么多。

@mikerinaldi7170
Increased fiat money supply. They diluted the dollar 40% in 18 months. All this on top of monopolies. If you don't own assets, including real estate, stocks, gold, and Bitcoin,yes, Bitcoin, you may be screwed.

增加的法定货币供应。他们在18个月内稀释了40%的美元。这一切都在垄断之上。如果你没有资产,包括房地产、股票、黄金和比特币,是的,比特币,你可能会倒霉。

@GSteel-rh9iu
This was very disappointing and expected; stop worshiping the vagaries of economists understanding. The food, ag, retail price gouged you can see their profits explode. So yes there is a problem guys you just can't understand what's happening. We need old retired regulator-lawyers to come back and do some anti-trust action.

这非常令人失望但预料之中;停止崇拜经济学家理解的变幻莫测。食品、农业、零售价格欺诈,你可以看到他们的利润爆炸。所以是的,有问题,伙计们,你们只是无法理解发生了什么。我们需要老的退休监管律师回来采取一些反垄断行动。

@voidwraithprime8521
This is the best good faith conversation I've heard regarding the current state of our economy. I feel Biden's issue with taking advantage of good economic numbers is the following: capitalism works really well if you're rich or upper middle class. It does not work well for you if you happen to be poor or lower middle class. The stock market being at an all-time high doesn't really matter if you don't own any stocks. Housing prices going through the roof was pretty great if you already owned a house...not great otherwise.

这是我听过的关于我们当前经济状况的最诚实的对话。我觉得拜登利用良好的经济数据的问题如下:如果你是富人或中上阶层,资本主义运作得很好。如果你恰好是穷人或中下阶层,它对你来说并不好。股市创历史新高并不重要,如果你没有任何股票。房价飙升如果你已经拥有房子是很好的……否则就不好了。

@MayorMcC666
why does everyone assume the interest rates won't stay high for a long time?

为什么大家都认为利率不会长期保持高位?

@Jszar
The idea that greedflation is off the mark because it implies something evil about corporations only holds up if one believes that capitalism is not somewhat evil in and of itself. It might be a necessary evil—I don’t know enough economics to say whether other systems could work adequately at the scale of industrial societies—but capitalism provides considerable incentives for the people and organizations which comprise it to behave in ways that are morally repugnant. That’s why, for example, selling organs for transplant had to be outlawed, and why Medicaid provides free dialysis for people with inadequate kidney function (because otherwise survival to reach the front of the transplant queue would be determined by ability to pay). At least as presently constituted, capitalism doesn’t price in externalities like ‘people dying from circumstances imposed on them by others’, and by default punishes entities that would prefer not to create harmful externalities by making them less competitive. That’s evil, plain and simple.

认为贪婪通胀观点偏离目标的想法是因为它暗示了企业的邪恶,只有在相信资本主义本身不是某种程度上的邪恶时才成立。这可能是一种必要的邪恶——我对经济学了解不足,无法说其他系统在工业社会规模上是否能够充分运作——但资本主义为组成它的人和组织提供了相当大的激励,以道德上令人厌恶的方式行事。这就是为什么,例如,卖器官移植必须被禁止,以及为什么医疗补助为肾功能不足的人提供免费透析(否则到达移植队列前线的生存机会将由支付能力决定)。至少在目前的情况下,资本主义没有将外部性如“人们因他人强加的环境而死亡”纳入价格,并且默认惩罚那些不愿制造有害外部性的实体,使它们的竞争力下降。这是邪恶的,简单明了。
原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


@Jszar
Also. I will believe that the economy is “good” for ordinary Americans when poor and working-class people in my city don’t commonly live in shantytowns.

此外,当我所在城市的穷人和工人阶级不再普遍住在贫民窟时,我才会相信经济对普通美国人来说是“好的”。

@derekarnold3665
Telling us what we already know. Even when inflation comes down the price of goods remain at the same higher price; example car insurance has gone up some 30% over the last few years.

告诉我们已经知道的事情。即使通货膨胀下降,商品价格仍保持在同样的高价;例如,汽车保险在过去几年上涨了约30%。

@andym4695
One of the problems with inflation is that a person's wage increases lag monthly cost increases. At the end of the year, the company owner looks at your paycheck, says, "inflation has been 6% this year, and we'll throw in a 2% raise". Well, for 364 days of the year you've been running your household on last year's wages but prices have gone up 6%. Not only that, your savings account, which last I looked gains less than 1%/year, has lost 5% of its value.

通货膨胀的一个问题是,一个人的工资增长滞后于每月成本的增加。在年底,公司老板看着你的薪水说,“今年通货膨胀率为6%,我们将增加2%的工资”。好吧,全年364天你用去年的工资维持家计,但价格上涨了6%。不仅如此,你的储蓄账户,最近我看到的年收益不到1%,已经失去了5%的价值。

@MrSteeDoo
If you are spending more while your income lags then you are a fool.
You can complain all you want but for RIGHT NOW you need to cut spending. Maybe skip getting that sweet new tattoo? How about skipping the daily $7 lattes? How about learning how to make your own sandwich at home instead of eating out? How about giving plasma to build up an emergency fund?

如果你的收入落后而你还在花更多的钱,那么你就是个傻瓜。
你可以尽情抱怨,但现在你需要减少支出。也许跳过那个新甜美的纹身?如何跳过每天7美元的拿铁?如何学会在家做自己的三明治而不是外出就餐?如何献血以建立应急基金?

@loskotas0403
Many Americans don’t know that no developed economy has really grown for decades, except the U.S. The growth in the U.S. has been concentrated in some sectors and some metro areas, and that’s how capitalism typically works. For those who want to be a part of the growing sub-economy get relevant education and move to cities. Some others don’t make the right move and complain. The rest of the world knows how lucky those people are to be born in the U.S. We have a lot of economic freedom in the U.S., and blaming that the game is rigged and trying to destroy the institutions and democracy is so childish and irresponsible. White supremacy, racism, and nativist prejudice breed misguided entitlement mindsets. Basic rules, assumptions and shared preferences are where it all starts, and we need to build back shared core values and principles.

许多美国人不知道,除了美国,没有哪个发达经济体在几十年内真正增长。美国的增长集中在某些行业和一些大都市地区,这就是资本主义的典型运作方式。对于那些希望成为增长子经济一部分的人来说,获取相关教育并搬到城市。一些其他人没有做出正确的举动并抱怨。世界其他地方的人都知道那些人出生在美国有多幸运。我们在美国有很多经济自由,责怪游戏被操纵并试图摧毁制度和民主是如此幼稚和不负责任。白人至上主义、种族主义和本土主义偏见滋生了误导的特权心态。基本规则、假设和共同偏好是一切的起点,我们需要重建共同的核心价值观和原则。

@franklinmachin8
Greed: insatiable desire for food or wealth.

贪婪:对食物或财富的无尽欲望。

@JR-pr8jb
As of June 2024, next year's Social Security cost-of-living increase will be 2.66%. Laughable! And it's likely the Medicare Part B premium (subtracted from Social Security) will increase.

截至2024年6月,明年的社会保障生活成本增长将为2.66%。可笑!而且很可能医疗保险B部分的保费(从社会保障中扣除)会增加。

@vladseva2327
There was so much unneeded stimulus including "the build better" (or whatever it was called) that I am surprised that inflation was just 9%. Too bad this was not mentioned as a reason for the inflation...

有太多不必要的刺激措施,包括“建设得更好”(或其他名称),我很惊讶通货膨胀率仅为9%。可惜这没有被提及为通货膨胀的原因……

@MrSteeDoo
Well somebody got that money. They must be doing OK.

嗯,有人得到了那笔钱。他们一定过得不错。

@gauloise6442
In Europe, we had ever longer lockdowns, everyone had their wages covered, and there is not the same rampant inflation as in the USA. I don't understand how inflation was caused by a couple of $1,500 checks, that doesn’t even cover a month's expenses.

在欧洲,我们有更长时间的封锁,所有人的工资都得到了保障,而不像美国那样有肆虐的通货膨胀。我不明白通货膨胀是怎么由几张1500美元的支票引起的,这甚至不够一个月的开支。

@vladseva2327
First of all - the checks were given to everyone, and not the only those who needed it. My family got the checks even though we continued to work remotely. Then there was also money to businesses with some of these loans forgiven. So you have it.

首先——支票发给了每个人,而不仅仅是那些需要它的人。我的家人也得到了支票,尽管我们继续远程工作。然后还有一些企业获得了部分贷款豁免。所以你有了。

@tristan7216
the housing crisis is the everything crisis. It drives up the cost of everything from policing to medical care, because the people who provide those things need a place to live too. But then they start talking about building codes and zoning - yes do this, but realize that the effects are marginal, you won't get 5 million units (I bet it's really 10m+ for 45 year olds to not need roommates to stay indoors) in the urban supermetros where people need to live to get decent jobs from zoning reform, at least not before the demand rises to a 20m unit deficit.

住房危机就是一切危机。它推高了从警察到医疗保健的一切成本,因为提供这些服务的人也需要一个住处。但是当他们开始谈论建筑规范和分区时——是的,做这些,但要意识到其效果是边际的,你不会在需要人们居住以获得体面工作的城市超级大都市中通过分区改革获得500万套单元(我敢打赌,对于45岁以上的人来说,真的需要1000万套以上的单元,不需要室友才能住在室内),至少在需求上升到2000万套赤字之前不会。

Building in heavily populated areas is a slow process, unless you have totalitarian control and can just evict masses of people to clear areas for building. The only real solution is
(1) slow national population growth to let the housing supply catch up
(2) geographically diversify economic activity to regions where housing exists or it's cheaper/easier to build, through industrial planning and incentives.

在人口稠密的地区建房是一个缓慢的过程,除非你有极权控制,可以驱逐大量人群以清理建筑区域。唯一的真正解决方案是
(1)减缓国家人口增长,让住房供应赶上
(2)通过工业规划和激励措施,将经济活动地理上多样化到已经有住房或建房更便宜/更容易的地区。

@jimgraham6722
Having people live in tents or under bridges is not good. So 2 is the best answer, along with policies that bring economic development.

让人们住在帐篷里或桥下是不好的。所以2是最好的答案,加上带来经济发展的政策。

@mackiej
Note there's a huge amount of land tied up in parking in many cities. This is set by local zoning rules. Lower the minimum parking space counts and bulldoze some one-story strip shopping centers and suddenly there's significantly more space for building.
If land is truly scarce like in Boston, the parking can be integrated into the same building for a price.

注意,许多城市有大量土地被用于停车。这是由当地的分区规则决定的。降低最低停车位数量,推倒一些单层带状购物中心,突然之间就有了更多的建筑空间。
如果像波士顿那样土地真的稀缺,停车场可以以一定价格整合到同一栋建筑中。

@voidwraithprime8521
Greedflation is a huge problem when the goods and services in question are necessary goods. I'm poor enough that I spend all of my money, living paycheck to paycheck. As prices for everything rose, I had to put the excess cost of my life on credit cards. That debt still exists even as things change for the better (not nearly fast enough).

当所涉及的商品和服务是必需品时,贪婪通胀是一个大问题。我足够穷,我花光了所有的钱,靠薪水生活。随着一切价格的上涨,我不得不把生活的额外成本放在信用卡上。即使情况有所好转(速度不够快),这些债务仍然存在。

@bjrnhjortshjandersen1286
The Scandinavian Welfare System removes some concerns for people who are low-income and less educated. It is less greedy than the USA and we have simplified some aspects of daily life for the majority of people. You have still the ability to follow your dream but worries about health care, education, child care, and social events are very reduced.

斯堪的纳维亚福利系统消除了低收入和受教育程度较低人群的一些担忧。它比美国少了些贪婪,我们简化了大多数人日常生活的某些方面。你仍然可以追随你的梦想,但对医疗、教育、儿童保育和社会活动的担忧大大减少。

@tropics8407
Stimy cheques, Quantitative easing money printing, deficit spending….where does this money end up ? There is a reason why the stock market and real estate went up first then food went up last. A recession is needed for all these prices to go down….sorry.

刺激支票、量化宽松印钞、赤字支出……这些钱都到哪里去了?股市和房地产首先上涨,然后食品最后上涨是有原因的。需要一场衰退才能让这些价格下降……抱歉。

@Jszar
The idea that greedflation is off the mark because it implies something evil about corporations only holds up if one believes that capitalism is not somewhat evil in and of itself. It might be a necessary evil—I don’t know enough economics to say whether other systems could work adequately at the scale of industrial societies—but capitalism provides considerable incentives for the people and organizations which comprise it to behave in ways that are morally repugnant. That’s why, for example, selling organs for transplant had to be outlawed, and why Medicaid provides free dialysis for people with inadequate kidney function (because otherwise survival to reach the front of the transplant queue would be determined by ability to pay). At least as presently constituted, capitalism doesn’t price in externalities like ‘people dying from circumstances imposed on them by others’, and by default punishes entities that would prefer not to create harmful externalities by making them less competitive. That’s evil, plain and simple.

认为贪婪通胀观点偏离目标的想法是因为它暗示了企业的邪恶,只有在相信资本主义本身不是某种程度上的邪恶时才成立。这可能是一种必要的邪恶——我对经济学了解不足,无法说其他系统在工业社会规模上是否能够充分运作——但资本主义为组成它的人和组织提供了相当大的激励,以道德上令人厌恶的方式行事。这就是为什么,例如,卖器官移植必须被禁止,以及为什么医疗补助为肾功能不足的人提供免费透析(否则到达移植队列前线的生存机会将由支付能力决定)。至少在目前的情况下,资本主义没有将外部性如“人们因他人强加的环境而死亡”纳入价格,并且默认惩罚那些不愿制造有害外部性的实体,使它们的竞争力下降。这是邪恶的,简单明了。

This is the best economy I've ever lived through and I'm happy as a lark.

这是我经历过的最好的经济,我开心得像只百灵鸟。

@joanyoon4672
I love the husband and wife team.

我喜欢这对夫妻团队。

很赞 3
收藏