Onde os consumidores gastam mais dinheiro?
Em 2022, os americanos gastaram mais de um terço dos seus rendimentos em habitação. Um terço adicional da receita foi gasto emcomida e transporte. Alterações em
Habitaçãoé de longe a maior despesa para os americanos. As despesas mensais com habitação em 2022 foram em média $ 2.025, um aumento de 7% em relação a 2021.
Habitação: Esta é normalmente a maior despesa para a maioria dos americanos. Inclui pagamentos de aluguel ou hipoteca, impostos sobre a propriedade e serviços públicos. Transporte: os americanos gastam uma parte significativa de sua renda em carros, gasolina, seguros e transporte público.
Uma análise geracional dos gastos gerais
No geral, em 2021,Geração X(qualquer pessoa nascida de 1965 a 1980) gastou mais dinheiro de qualquer geração dos EUA, com uma despesa média anual de US$ 83.357. Os segundos maiores gastadores são os Millennials, com uma despesa média anual de US$ 69.061. Imagem: Capitalista Visual.
Acessórios | 40% |
---|---|
Ingressos para eventos ao vivo (por exemplo, shows) | 17% |
Suprimentos para passatempos | 16% |
Jogos de vídeo | 15% |
Arte corporal (por exemplo, tatuagens, piercings) | 15% |
CBO: Componentes de gastos e receitas federais dos EUA para o ano fiscal de 2023. As principais categorias de despesas sãosaúde, segurança social e defesa; os impostos sobre a renda e sobre a folha de pagamento são as principais fontes de receita.
Os três maiores itens orçamentários para a família média dos EUA sãoalimentação, transporte e moradia. Concentrar seus esforços para reduzir gastos nessas três categorias orçamentárias principais pode causar a maior redução em seu orçamento, aumentar sua lacuna e liberar dinheiro adicional para você resolver dívidas ou começar a investir.
A regra 50-30-20recomenda destinar 50% do seu dinheiro para necessidades, 30% para desejos e 20% para poupanças. A categoria de poupança também inclui o dinheiro de que você precisará para realizar seus objetivos futuros. Vamos dar uma olhada em cada categoria.
- Segurança Social (US$ 1.354 bilhões). ...
- Saúde (US$ 889 bilhões). ...
- Medicare (US$ 848 bilhões). ...
- Defesa Nacional (US$ 820 bilhões). ...
- Segurança de Renda (US$ 775 bilhões). ...
- Juros líquidos (US$ 658 bilhões). ...
- Benefícios e serviços para veteranos (US$ 302 bilhões). ...
- Transporte (US$ 126 bilhões).
Custo médio de transporte por mês: $ 819
A segunda maior categoria de gastos para a família típica dos EUA étransporte.
Onde a Geração Z gasta seu dinheiro?
Tipo de gasto | Percentagem |
---|---|
Contas e despesas domésticas | 52,34% |
Roupas e acessórios | 44,07% |
Sair/entretenimento | 37,49% |
Entrega de comida/comer fora | 36,99% |
Transporte: 15,9% do gasto médio anual dos consumidores americanos. Mantimentos: 8,6% do gasto médio anual dos consumidores americanos. Saúde: 8,1% do gasto médio anual dos consumidores americanos. Serviços públicos: 6,6% do gasto médio anual dos consumidores americanos.
Um pouco menos de 40% dos americanos com menos de 35 anos possuíam uma casa em 2022, de acordo com os dados mais recentes do Censo. Por outro lado, os americanosentre 65 e 74 anostêm o patrimônio líquido médio mais alto entre todas as faixas etárias, aumentando seu patrimônio líquido de uma mediana de US$ 308.800 para US$ 409.900 no mesmo período.
Quantos americanos vivem de salário em salário? Uma pesquisa de 2023 conduzida por Payroll.org destacou que78%dos americanos vivem de salário em salário, um aumento de 6% em relação ao ano anterior. Por outras palavras, mais de três quartos dos americanos lutam para poupar ou investir depois de pagarem as suas despesas mensais.
Os Baby Boomers (com idades entre 55 e 75 anos) gastam um total de US$ 548,1 bilhões anualmente. A Geração X (idades de 36 a 54 anos) segue os Boomers com gastos anuais de US$ 357 bilhões. A geração Y (25-35) vem em seguida, com US$ 322,5 bilhões em gastos anuais. A geração Silent (com 76 anos ou mais) gasta US$ 162,9 bilhões anualmente.
O gráfico mostra quanto dinheiro os americanos gastam a cada ano, com base em números de 2021. Longe e distante,Geração X(Americanos nascidos entre 1965 e 1980) gastaram a maior parte de qualquer grupo demográfico dos EUA naquele ano, abrindo suas carteiras no valor de US$ 83.357.
Geralmente, o Congresso aloca mais de metade do orçamento discricionário para a defesa nacional e o restante para financiar a administração de outras agências e programas. Esses programas variam desde programas de transporte, educação, habitação e serviço social, bem como organizações científicas e ambientais.
Os residentes em Connecticut, Massachusetts, Nova Jersey e Nova York têm algumas das contas fiscais mais altas do país. Eles também pagam milhares de dólares a mais em impostos federais do que o seu estado recebe em financiamento federal.
Característica | Assistência médica** | Militares |
---|---|---|
Estados Unidos | 16,6% | 3,45% |
Alemanha | 12,7% | 1,39% |
França | 12,1% | 1,94% |
Japão | 11,5% | 1,08% |
- Habitação.
- Transporte.
- Assistência médica.
- Comida.
- Serviços de utilidade pública.
- Em suma: quanto gastam as famílias de reformados num ano.
Em que os aposentados gastam mais dinheiro?
1. Habitação. Se você possui sua casa ou aluga,custos de hospedagempode ser uma das maiores partes do seu orçamento. Aqueles que quitaram a casa podem ter dinheiro extra para gastar em outras categorias de orçamento, mas não se esqueça de levar em consideração a manutenção, os impostos sobre a propriedade, os seguros e os serviços públicos como despesas contínuas.
Pergunta: 1. A maior despesa da Coca-Cola é com publicidade, que faz parte das despesas comerciais, gerais e administrativas.
Você está se aproximando dos 30? Quanto dinheiro você economizou? De acordo com a CNN Money,alguém entre 25 e 30 anos, que ganha cerca de US$ 40 mil por ano, deveria ter pelo menos US$ 4 mil economizados.
Considere um indivíduo que leva para casa US$ 5.000 por mês. A aplicação da regra 50/30/20 lhes daria um orçamento mensal de:50% para despesas obrigatórias = US$ 2.500.20% para poupança e pagamento de dívidas = $ 1.000.
O especialista em finanças pessoais Dave Ramsey diz que se você estiver passando por um período financeiro difícil, você deve primeiro fazer um orçamento para as “Quatro Paredes”, acima de qualquer outra coisa. Em uma série de tweets, Ramsey sugeriu um orçamento paraalimentação, serviços públicos, abrigo e transporte– nessa ordem específica.
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