When it comes to the United States, everyone envies it as the world's number one developed country with a strong country and a prosperous economy.

It is said that all American citizens are extremely rich, but the strange thing is that Americans not only have little savings in the bank, but are in debt, and they are all "negative people".

A survey shows that the savings rate of Americans is negative 10%. Almost half of Americans cannot even come up with $400 in an emergency, which means that half of Americans only have tens of dollars left every month.

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This is completely different from the Chinese. In the world, the Chinese people's ability to save money is basically unrivaled.

While the Chinese are saving, Americans are basically buying, buying, buying.

So, why is this?

Merchants stimulate buying, buying, buying. In fact, this is not just a problem for Americans. In its neighbor Canada, about 20% of people have deposits of less than 1,000 Canadian dollars, while in developing countries like China, per capita deposits have exceeded 40,000 yuan.

RMB.

This also reflects a typical phenomenon of modern economy. People in rich countries love consumption, while developing countries, especially Asian countries, love saving.

The reason is that the economic development of developed countries is generally consumption-driven. For example, personal consumption in the United States generally accounts for about 70% of the total economy.

Therefore, in order to achieve steady economic growth, the entire American society is changing its ways to promote consumption, making most people accustomed to spending tomorrow's money to enjoy today.

Currently, the average American holds more than 8 credit cards, and each credit card often offers a variety of rewards and rebates.

For example, some credit cards will give you a cash rebate of $150 as long as you spend $500 within three months of opening the card; some credit cards are bound to the payment function of Apple mobile phones, and you can get up to 10% cash back for each transaction.

Under the temptation of such discounts, groups of lavish "card slaves" and "hand-chopping parties" grew up.

Interestingly, as a developed country, Germans are keen on saving. Although the interest rates on savings in Germany continue to decline, and even negative interest rates appear, this still cannot stop Germans from saving money.

But unexpectedly, the Germans' hobbies have aroused "public outrage" from other developed countries. The United States accused Germany of exporting deflation.

The European Union blames Germany's lack of domestic consumption as the root cause of the European debt crisis.

Suddenly, Germany, a thrifty country, became the target of public criticism.

It can be seen that developed countries hardly encourage the good habit of saving money, but instead encourage everyone to spend as much as they want.

Don’t worry about food and clothing, be brave enough to buy, buy, buy. In China, the elderly need to save money to buy a house for their children, the young people need to save money for their children to go to school, and the middle-aged people need to save money for retirement.

Saving some money silently every month has become a fine and well-kept tradition among Chinese people.

Ultimately, this idea arises because the welfare system in China is not perfect enough. If you don’t have money, your future will be insecure and your life will be insecure.

In the United States, there is no need to worry so much.

If you become poor due to personal reasons, you still have the government as your backer.

The United States sets a poverty line every year based on price levels, which is generally three times the cost of buying food. For example, in 2014, the poverty line for a family of two was less than $19,662, the standard for three people was less than $24,737, and the standard for eight people was as low as

With an income of $50,112, the government will issue hundreds of dollars in food stamps every month, provide these people with low-rent housing, free medical insurance, low-income subsidies and tax breaks for buying a house.

The concept of poverty among Americans may not mean poverty as we imagine. The poverty standard in the United States is much higher than that in developing countries.

A 2005 survey showed that 46% of poor American families own their own homes, usually with three bedrooms; nearly 80% of poor Americans have air conditioning in their homes; nearly 100% of poor Americans have televisions; 75% of poor Americans have

Poor households own one car; 30% of poor American households own two cars, and one-third of poor Americans own a dishwasher.

Therefore, in the United States, even if you are penniless, in the most desperate situation, there is government relief, and your life will not be too bad.

This also invisibly encourages the trend of excessive consumption.

Saving money does not necessarily mean putting it in the bank. In addition, the Chinese stereotype that Americans do not like to save money may stem from their different understanding of the concept of saving money.

Chinese people seek stability and put money in the bank as deposits. But in the United States, most people don't think so. Many of them think that money can make money, which is savings.

The U.S. financial market can be said to be the largest, largest flow of funds and most influential financial market in the world. It also has an extremely rich range of financial products, which provides a variety of channels for Americans to invest.

Americans also have a strong sense of investment, unlike the Chinese who have a single investment channel. Many aunts can only hoard gold bars, and most families who are rich can only deposit money in banks.

In 2006, about 48% of American households held mutual funds, and there were 96 million fund holders. On average, one in three people was a mutual fund holder. These funds have higher interest rates than banks.

High, will win long-term benefits for their assets.

In addition to commercial fund investment activities, the United States has implemented the 401K plan since 1981, which stipulates that employees can independently choose investment portfolios to operate their own pension accounts. Each employed person can invest US$15,000 in the 401K plan each year as a retirement fund.

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