{"id":754,"date":"2025-03-16T12:19:17","date_gmt":"2025-03-16T11:19:17","guid":{"rendered":"https:\/\/ujvilagtrend.hu\/?p=754"},"modified":"2025-03-16T12:19:18","modified_gmt":"2025-03-16T11:19:18","slug":"az-amerikaiak-80-szazaleka-honaprol-honapra-el","status":"publish","type":"post","link":"https:\/\/ujvilagtrend.hu\/?p=754","title":{"rendered":"Az amerikaiak 80 sz\u00e1zal\u00e9ka h\u00f3napr\u00f3l h\u00f3napra \u00e9l"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Az \u00e1tlagos amerikai a fizet\u00e9se 43 sz\u00e1zal\u00e9k\u00e1t elk\u00f6lti a foly\u00f3s\u00edt\u00e1st k\u00f6vet\u0151 els\u0151 h\u00e1rom napban<\/strong>! Egy \u00faj tanulm\u00e1ny szerint az Egyes\u00fclt \u00c1llamokban dolgoz\u00f3k t\u00f6bbs\u00e9ge h\u00f3napr\u00f3l h\u00f3napra \u00e9l, \u00e9s komoly p\u00e9nz\u00fcgyi neh\u00e9zs\u00e9gekkel k\u00fczd. Az <strong>EarnIn \u00e9s Talker Research kutat\u00e1sa<\/strong> 2000 olyan alkalmazottat vizsg\u00e1lt, akik \u00e9vi <strong>75 000 doll\u00e1rn\u00e1l (kb. 2,2 milli\u00f3 forint\/h\u00f3) kevesebbet keresnek<\/strong>, \u00e9s arra volt k\u00edv\u00e1ncsi, hogyan osztj\u00e1k be a fizet\u00e9s\u00fcket.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A p\u00e9nz eloszt\u00e1sa: a val\u00f3s\u00e1g \u00e9s az elm\u00e9let<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A v\u00e1laszad\u00f3k <strong>59 sz\u00e1zal\u00e9ka el\u0151re megtervezi<\/strong>, hogyan k\u00f6lti el a fizet\u00e9s\u00e9t, azonban a legt\u00f6bb kiad\u00e1s elker\u00fclhetetlen\u00fcl az alapvet\u0151 sz\u00fcks\u00e9gletekre megy. A fizet\u00e9s be\u00e9rkez\u00e9se ut\u00e1n <strong>az els\u0151 kifizet\u00e9sek k\u00f6z\u00e9 tartozik a lakb\u00e9r vagy a jelz\u00e1loghitel<\/strong> (56%), <strong>az \u00e9lelmiszer \u00e9s a gy\u00f3gyszerek<\/strong> (51%), valamint a&nbsp;<strong>villanysz\u00e1mla \u00e9s m\u00e1s k\u00f6z\u00fczemi k\u00f6lts\u00e9gek<\/strong> (38%).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A kutat\u00e1s r\u00e1k\u00e9rdezett a p\u00e9nz\u00fcgyi szak\u00e9rt\u0151k \u00e1ltal aj\u00e1nlott <strong>50\/30\/20 szab\u00e1lyra<\/strong>, amely szerint a bev\u00e9telek <strong>50 sz\u00e1zal\u00e9ka sz\u00fcks\u00e9gletekre, 30 sz\u00e1zal\u00e9ka sz\u00f3rakoz\u00e1sra, 20 sz\u00e1zal\u00e9ka pedig megtakar\u00edt\u00e1sra kellene jusson<\/strong>. A val\u00f3s\u00e1gban azonban az amerikai dolgoz\u00f3k <strong>64 sz\u00e1zal\u00e9k\u00e1t k\u00f6ltik el a l\u00e9tfenntart\u00e1sra<\/strong>, m\u00edg a sz\u00f3rakoz\u00e1s \u00e9s a nem alapvet\u0151 kiad\u00e1sok <strong>mind\u00f6ssze 16 sz\u00e1zal\u00e9kot tesznek ki<\/strong>, ugyanennyit ford\u00edtanak megtakar\u00edt\u00e1sra is \u2013 ami jelent\u0151sen elmarad az aj\u00e1nlott 20 sz\u00e1zal\u00e9kt\u00f3l.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A felm\u00e9r\u00e9s szerint <strong>a dolgoz\u00f3k 56 sz\u00e1zal\u00e9ka kevesebb mint 10 sz\u00e1zal\u00e9kot k\u00e9pes f\u00e9lretenni<\/strong>, m\u00edg <strong>23 sz\u00e1zal\u00e9k egy\u00e1ltal\u00e1n nem eml\u00e9kszik arra, mikor tudott utolj\u00e1ra 20 sz\u00e1zal\u00e9kot megtakar\u00edtani<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">P\u00e9nz\u00fcgyi t\u00fal\u00e9l\u00e9s: hitelk\u00e1rty\u00e1k \u00e9s m\u00e1sod\u00e1ll\u00e1sok<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Az amerikaiak csup\u00e1n <strong>20 sz\u00e1zal\u00e9ka nem szembes\u00fcl p\u00e9nz\u00fcgyi gondokkal<\/strong> a fizet\u00e9sek k\u00f6z\u00f6tti id\u0151szakban. A t\u00f6bbs\u00e9g sz\u00e1m\u00e1ra azonban <strong>ez folyamatos k\u00fczdelmet jelent<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>62% nehezen tud \u00e9lelmiszert v\u00e1s\u00e1rolni<\/strong>,<\/li>\n\n\n\n<li><strong>30% k\u00fczd a sz\u00e1ml\u00e1k kifizet\u00e9s\u00e9vel<\/strong>,<\/li>\n\n\n\n<li><strong>16% pedig gy\u00f3gyszerek vagy k\u00f6lcs\u00f6n\u00f6k t\u00f6rleszt\u00e9s\u00e9vel<\/strong> szenved.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A h\u00f3nap v\u00e9g\u00e9n a dolgoz\u00f3k k\u00fcl\u00f6nb\u00f6z\u0151 strat\u00e9gi\u00e1kat alkalmaznak a t\u00fal\u00e9l\u00e9s \u00e9rdek\u00e9ben:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>39% m\u00e1sod\u00e1ll\u00e1st v\u00e1llal<\/strong>,<\/li>\n\n\n\n<li><strong>31% csal\u00e1dj\u00e1ra t\u00e1maszkodik<\/strong>,<\/li>\n\n\n\n<li><strong>28% hitelk\u00e1rty\u00e1val fedezi kiad\u00e1sait<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aggaszt\u00f3 adat, hogy <strong>14 sz\u00e1zal\u00e9k egy\u00e1ltal\u00e1n nem rendelkezik semmilyen tartal\u00e9ktervvel<\/strong>, ha p\u00e9nz\u00fcgyi probl\u00e9m\u00e1kba \u00fctk\u00f6zik.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A bankok \u00e9s a munk\u00e1ltat\u00f3k nem seg\u00edtenek<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Az amerikai dolgoz\u00f3k t\u00f6bbs\u00e9ge sz\u00e1m\u00e1ra <strong>nem el\u00e9rhet\u0151 az el\u0151rehozott fizet\u00e9s<\/strong>. A kutat\u00e1s szerint <strong>csup\u00e1n 5 sz\u00e1zal\u00e9k<\/strong> tudja el\u0151bb leh\u00edvni a fizet\u00e9s\u00e9t a bankj\u00e1n kereszt\u00fcl, \u00e9s <strong>mind\u00f6ssze 4 sz\u00e1zal\u00e9k<\/strong> tud munk\u00e1ltat\u00f3i el\u0151leget k\u00e9rni.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201eA mai vil\u00e1gban az alkalmazottaknak nem kellene napokat v\u00e1rniuk arra, hogy hozz\u00e1f\u00e9rjenek a m\u00e1r megkeresett p\u00e9nz\u00fckh\u00f6z\u201d<\/strong> \u2013 nyilatkozta az EarnIn sz\u00f3viv\u0151je. <strong>\u201eMinden dolgoz\u00f3nak lehet\u0151s\u00e9get kellene kapnia arra, hogy saj\u00e1t felt\u00e9telei szerint kezelje p\u00e9nz\u00fcgyeit, ne pedig a bankok menetrendje szerint.\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Annak ellen\u00e9re, hogy sokan el\u00e9gedetlenek a banki rendszerrel, az \u00e1tlagos amerikai <strong>m\u00e1r kilenc \u00e9ve ugyanann\u00e1l a bankn\u00e1l vezeti a sz\u00e1ml\u00e1j\u00e1t<\/strong>, \u00e9s <strong>14 sz\u00e1zal\u00e9k t\u00f6bb mint k\u00e9t \u00e9vtizede nem v\u00e1ltott p\u00e9nzint\u00e9zetet<\/strong>. A v\u00e1laszad\u00f3k <strong>57 sz\u00e1zal\u00e9ka a megszok\u00e1s miatt marad h\u0171s\u00e9ges bankj\u00e1hoz<\/strong>, m\u00edg <strong>csup\u00e1n 20 sz\u00e1zal\u00e9k marad az\u00e9rt, mert az lehet\u0151s\u00e9get biztos\u00edt a fizet\u00e9s el\u0151rehozott felv\u00e9tel\u00e9re<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Kor\u00e1bbi fizet\u00e9s, kevesebb stressz?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A kutat\u00e1s azt is vizsg\u00e1lta, milyen hat\u00e1ssal lenne a dolgoz\u00f3kra, ha <strong>k\u00e9t nappal kor\u00e1bban megkaphatn\u00e1k a fizet\u00e9s\u00fcket<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>34% szerint \u00edgy id\u0151ben tudn\u00e1 fizetni a sz\u00e1ml\u00e1it<\/strong>,<\/li>\n\n\n\n<li><strong>29% \u00fagy v\u00e9li, hogy cs\u00f6kkenne a p\u00e9nz\u00fcgyi stressze<\/strong>,<\/li>\n\n\n\n<li><strong>19% v\u00e9gre id\u0151ben ki tudn\u00e1 fizetni a lakb\u00e9rt<\/strong>,<\/li>\n\n\n\n<li><strong>15% pedig t\u00f6bbet tudna megtakar\u00edtani<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Az adatok alapj\u00e1n <strong>az amerikai dolgoz\u00f3k t\u00f6bbs\u00e9ge folyamatos anyagi bizonytalans\u00e1gban \u00e9l<\/strong>, \u00e9s kev\u00e9s lehet\u0151s\u00e9ge van arra, hogy p\u00e9nz\u00fcgyi biztons\u00e1got teremtsen mag\u00e1nak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">(<em><a href=\"https:\/\/www.jornada.com.mx\/noticia\/2025\/03\/15\/economia\/solo-20-de-los-estadunidenses-llega-a-fin-de-mes\" title=\"\">La Jordana<\/a><\/em>)<\/p>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"jeg_video_container jeg_video_content\"><iframe loading=\"lazy\" title=\"NYC in Crisis: Homelessness &amp; Poverty Spiral Out of Control!\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/ZdK-L1UA1_s?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Az \u00e1tlagos amerikai a fizet\u00e9se 43 sz\u00e1zal\u00e9k\u00e1t elk\u00f6lti a foly\u00f3s\u00edt\u00e1st k\u00f6vet\u0151 els\u0151 h\u00e1rom napban! Egy \u00faj tanulm\u00e1ny szerint az Egyes\u00fclt \u00c1llamokban dolgoz\u00f3k t\u00f6bbs\u00e9ge h\u00f3napr\u00f3l h\u00f3napra \u00e9l, \u00e9s komoly p\u00e9nz\u00fcgyi neh\u00e9zs\u00e9gekkel k\u00fczd. Az EarnIn \u00e9s Talker Research kutat\u00e1sa 2000 olyan alkalmazottat vizsg\u00e1lt, akik \u00e9vi 75 000 doll\u00e1rn\u00e1l (kb. 2,2 milli\u00f3 forint\/h\u00f3) kevesebbet keresnek, \u00e9s arra volt [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":755,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"jnews_override_bookmark_settings":[],"jnews_social_meta":[],"jnews_override_counter":[],"footnotes":""},"categories":[2454],"tags":[81,84,439,529,342,107,80,528],"class_list":["post-754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kategoria-nelkuli-hu","tag-donald-trump","tag-egyesult-allamok","tag-joe-biden","tag-jovedelmek","tag-recesszio","tag-szegenyseg","tag-usa","tag-valsag"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/posts\/754","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=754"}],"version-history":[{"count":1,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/posts\/754\/revisions"}],"predecessor-version":[{"id":756,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/posts\/754\/revisions\/756"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/media\/755"}],"wp:attachment":[{"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=754"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=754"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=754"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}