ギグエコノミーは進化しており、個人金融の分野では副業がこれまで以上に重要になっています。トレンドは変化しており、2023 年は、アメリカ人がこれらの追加の収入源をどのように認識し、アプローチするかについて、新たな視点をもたらします。以下では、最新の個人婚約者の統計を調査して、将来がどうなるかを見ていきます。
必要なものまでスキップ
2024 年の個人財務統計
家計銀行の平均残高: 41,600ドル
2019年の平均家計銀行残高は4万1600ドルだった。 FRBによると、これは2016年の平均4万2580ドルからわずかに減少した。この減少は、支出の増加から投資戦略の変化まで、さまざまな動きを示している可能性があります。
家計銀行残高の中央値: 5,300ドル
2019 年の中央値 (多くの場合、平均よりも洞察力に富んだ数値) は 5,300 ドルでした。心強いことに、この数字は連邦準備理事会が提示した2016年の中央値4,790ドルを上回りました。この前向きな傾向は、より広範な富の分配や、より多くの世帯の間で貯蓄が増加していることを示唆している可能性があります。
投資と貯蓄の平均: 17,135 ドル
PR Newswireの調査で明らかになったように、アメリカ人は平均して17,135ドルを投資または普通預金口座に隠し持っている。興味深いことに、ニューヨーカーはトップ貯蓄者として浮上しており、収入の立派な 14.5% をこうした口座に振り向けています。これは、投資を重視する文化を育むことの重要性を浮き彫りにしています。
給料から給料までの生活：低所得者だけではない
驚くべきことに、年収 10 万ドルを超える個人のうち 8% が、今も給料をもらって暮らしています。ウィリス・タワーズ・ワトソン氏のこの啓示は、高収益が必ずしも財務の安定や賢明な資金管理と一致するとは限らないことを強調しています。
緊急出費: 400 ドルのハードル
米国成人の注目に値する64％は、連邦準備制度が共有しているように、突然の400ドルの出費に現金またはそれに相当するものを使って対処できます。気がかりなことに、残りの 35% のうち、多くの人は早急な返済計画を持たずにクレジットに頼り、12% はそのような出費で完全に行き詰まってしまいます。
経済的回復力に対する教育の影響
教育と経済的健全性の間には明らかな相関関係があります。高校卒業資格（またはそれ以下）しか持たない成人の約 60% は、請求書や予期せぬ 400 ドルの出費に躊躇するでしょう。逆に言えば、学士号取得者のわずか 24% が同様の課題に直面することになり、この数字が連邦準備理事会によって明らかになった。このギャップは、高等教育を受けることが経済的に永続的に有利であることを強調しています。
ミレニアル世代と Z 世代が副業を楽しむ
若い世代の間で起業家精神が高まっています。 Bankrate の最近の調査では、Z 世代の 53% とミレニアル世代の 50% が現在副業をしていることが明らかになりました。従来のキャリアパスから逸脱する中、これらの数字は、主な雇用と起業家的ベンチャーのダイナミックな融合を浮き彫りにし、経済的自立への積極的なアプローチを示しています。
世代別の副業人気
副業に対する態度は世代によって著しく異なります。この領域に足を踏み入れる団塊の世代はわずか 24% であり、X 世代の 40% とは対照的です。若い個人の間で副業の傾向が高まっていることは、経済的安定の伝統的な基準を再定義する可能性があり、共働きの収入源が間もなく標準になる可能性があることを示唆しています。
副業における男女格差
副業には性別を問わず参加者がいますが、男性 (43%) が女性 (35%) をわずかに上回っています。この格差は、機会へのアクセスのしやすさから財務哲学の違いに至るまで、さまざまな要因に起因している可能性があります。男女平等の追求が進むにつれて、今後数年のうちにこの格差が縮まるのを目の当たりにするかもしれません。
所得階層全体での副業
副業は経済的に苦しい人々のニーズを満たすものであるという固定観念に反して、年収 10 万ドル以上の個人の 45% が副業に取り組んでいます。 Bankrate の厚意により提供されたこのデータは、副業が戦略的金融ツールとして注目を集めていることを示唆しており、資産拡大と個人的な情熱プロジェクトの両方に役立ちます。
副業の月間平均収入
副業による収入は、副業と同じくらい多様です。平均して、副業者は毎月 810 ドルの追加収入を得ることができます。それでも、大きな格差が存在します。一方、28% は名目 1 ドルから 50 ドルの収入を得ており、15% は 1,000 ドル以上を稼いでいます。そして、はい、性別も関係しており、男性の平均は 989 ドルであるのに対し、女性は 603 ドルです。進化するギグエコノミーの状況は、この男女の収入格差を埋める解決策になるかもしれません。
副業による世代間の収入
副業による世代間の収入に関しては、ミレニアル世代がリストのトップで、月平均1,022ドルという驚異的な額を稼いでいます。彼らに続いて注目を集めているのは、Z 世代、X 世代、そして団塊の世代です。この傾向は、副業が間もなく若者にとって極めて重要な富を生み出すメカニズムに変わる可能性があることを示しています。
副業資金: 必須 vs. 任意
喧騒の背後にある目的が重要です。副業をしている人のかなりの 33% が、日々の必要不可欠な出費をこれらの追加資金に頼っています。興味深いことに、この依存は男性よりも女性の間でより顕著です。この傾向は、多くの人が直面する経済的負担の増大に焦点を当てており、生活費の上昇を乗り切るために収入源を多様化することの重要性を強調しています。
副業の長期的な役割
一部の人にとって、副業は一時的なものではなく、長期的な戦略です。かなりの 28% が副業は基本的な生活を維持するために不可欠であると考えており、別の 26% は副業を自由裁量の出費の宝庫と考えています。これらの数字は、本業と副業の境界線があいまいになり、仕事と財務管理の新時代の到来を告げる流動的な未来を予告している。
脳震盪: 個人財務統計
副業の急増は、個人の財務における極めて重要な変化を浮き彫りにしています。若い世代はこの変化を支持しており、副業を収入の補助としてだけでなく、経済的自立や起業家としての努力への道とみなしています。しかし、インフレや賃金の停滞などの経済的圧力を指摘し、必要性が多くの人にとってこの傾向を促進しているとも言えます。
特に、副業における男女間の不一致は、より深い社会的障壁を明らかにし、より公平な機会の必要性を強調しています。本業と副業の境界線があいまいになるにつれ、多様な収入源が標準となる未来が出現します。この変化は、経済的適応力と読み書き能力の重要性の増大を浮き彫りにしています。
本質的に、副業は単なるトレンドではありません。これらは進化する経済現実への対応であり、個人の財務戦略が多面的で回復力のあるものでなければならない未来を示唆しています。
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