為什么那么多美國(guó)年輕人推遲結(jié)婚

為什么那么多美國(guó)年輕人推遲結(jié)婚

Over one in three (37 percent) young Americans are putting off getting married because of debt, according to new research.

最新調(diào)查顯示，超過三分之一(37%)的美國(guó)年輕人因?yàn)閭鶆?wù)而推遲結(jié)婚。

A poll of 1,000 millennials and 1,000 Gen Zers found — of the younger generations with debt — 84 percent have considered delaying or holding off on taking their relationship to the next level because they want to pay off their debts first.

一項(xiàng)針對(duì)1000名千禧一代和1000名80后的調(diào)查發(fā)現(xiàn)，84%的人曾考慮過推遲或推遲將兩人的關(guān)系發(fā)展到下一階段，因?yàn)樗麄兿胂冗€清債務(wù)。

Due to debt, 37 percent are delaying engagements, while a further 37 percent are holding off on getting married. Another 25 percent have put on hold moving in with their partner, while 29 percent have delayed purchasing a home.

由于債務(wù)問題，37%的人推遲訂婚，另有37%的人推遲結(jié)婚。另有25%的人推遲了與伴侶同居的計(jì)劃，另有29%的人推遲了購(gòu)房計(jì)劃。

At the same time, debt is no longer taboo among younger generations.

與此同時(shí)，債務(wù)不再是年輕一代的禁忌。

Conducted by OnePoll in conjunction with Laurel Road, a digital lending platform, the survey explored the relationship dynamics and financial habits of 1,000 millennials and 1,000 Gen Zers.

OnePoll與數(shù)字借貸平臺(tái)Laurel Road聯(lián)合開展的這項(xiàng)調(diào)查，探討了1000名千禧一代和1000名千禧一代的關(guān)系動(dòng)態(tài)和財(cái)務(wù)習(xí)慣。

Results uncovered that 81 percent of respondents understand debt is common amongst their peers — and don’t want to let it negatively affect their romantic relationships.

調(diào)查結(jié)果顯示，81%的受訪者明白，在他們的同齡人中，債務(wù)是很常見的，他們不想讓債務(wù)給他們的戀愛關(guān)系帶來負(fù)面影響。

The results also revealed that a third (33 percent) of respondents currently have debts they are working to pay off, but younger generations are trying to be proactive and seek advice about how best to handle their finances.

調(diào)查結(jié)果還顯示，三分之一(33%)的受訪者目前正努力償還債務(wù)，但年輕一代正努力變得積極主動(dòng)，并就如何最好地處理自己的財(cái)務(wù)問題尋求建議。

Nearly three in five (58 percent) respondents reveal they found out about their partner’s debt within a year of being together.

近五分之三(58%)的受訪者表示，他們?cè)谝黄鸩坏揭荒昃桶l(fā)現(xiàn)了伴侶的債務(wù)問題。

However, when it comes to the most appropriate time to reveal debt to a partner, results reveal that a third (34 percent) consider it appropriate to inform their significant other about their debt within six months of being in a committed relationship.

然而，當(dāng)涉及到向伴侶透露債務(wù)的最合適時(shí)間時(shí)，結(jié)果顯示，三分之一(34%)的人認(rèn)為，在一段忠誠(chéng)的關(guān)系開始后的六個(gè)月內(nèi)，將債務(wù)告知他們的另一半是合適的。

Interestingly enough, a whopping 84 percent of respondents are open about discussing their debt with a partner.

有趣的是，高達(dá)84%的受訪者對(duì)與伴侶討論債務(wù)持開放態(tài)度。

However, the survey suggests that this openness is not always immediate. Of those with debt, nearly half (49 percent) have avoided discussing their debt with a partner when it comes up in conversation and 65 percent are currently hiding that debt from their partners.

然而，調(diào)查顯示，這種開放并不總是立竿見影的。在那些有債務(wù)的人中，近一半(49%)在談話中避免與伴侶討論債務(wù)，65%的人目前對(duì)伴侶隱瞞債務(wù)。

As a result, millennials and Gen Zers are going to their partners for money advice and support. Seventy-six percent of those studied say they often seek advice from their partner about how best to manage their financial situation.

因此，千禧一代和80后會(huì)向他們的伴侶尋求理財(cái)建議和支持。76%的被調(diào)查者表示，他們經(jīng)常向伴侶尋求如何最好地管理自己的財(cái)務(wù)狀況的建議。

Beyond giving general advice, millennials and Gen Zers are supporting and encouraging their partners to be proactive about their finances and debts.

除了提供一般性的建議外，千禧一代和80后也支持并鼓勵(lì)他們的伴侶對(duì)自己的財(cái)務(wù)和債務(wù)采取積極主動(dòng)的態(tài)度。

Fifty-five percent of respondents worked on a budget or payment plan together with their partner while a further 36 percent researched refinancing options in an effort to help each other manage the other’s debt.

55%的受訪者與伴侶一起制定預(yù)算或還款計(jì)劃，另有36%的人研究再融資方案，以幫助彼此管理對(duì)方的債務(wù)。

“Debt and personal finance can be a tricky topic for even the most stable couples, but it’s essential to be open about your debt if you are going to grow a relationship,” said Alyssa Schaefer, Chief Marketing Officer for Laurel Road.

“對(duì)于最穩(wěn)定的夫妻來說，債務(wù)和個(gè)人財(cái)務(wù)可能是一個(gè)棘手的話題，但如果你想要發(fā)展一段關(guān)系，就必須公開你的債務(wù)，”Laurel Road的首席營(yíng)銷官Alyssa Schaefer說。

“Our survey also found that student debt especially, has become a widespread financial concern among millennials and will likely be the same for Gen Z. It’s encouraging to see the empathy that younger generations have developed for one another.”

“我們的調(diào)查還發(fā)現(xiàn)，學(xué)生債務(wù)在千禧一代中已成為一個(gè)普遍的財(cái)務(wù)問題，z一代可能也會(huì)如此。看到年輕一代對(duì)彼此產(chǎn)生的同理心，令人鼓舞。”

Almost half (38 percent) of those whose partners have spoken to them about their debt have offered to take it on themselves.

近一半(38%)的人表示愿意承擔(dān)自己的債務(wù)。

Over half (56 percent) would be willing to help their partner with paying off student loans, while 38 percent would be willing to assist their partner with their credit card debt.

超過一半(56%)的人愿意幫助他們的伴侶償還學(xué)生貸款，而38%的人愿意幫助他們的伴侶償還信用卡債務(wù)。

Unfortunately, having debt can also be a deal-breaker for many. Forty-six percent have considered breaking things off with a partner over student loans while a further 28 percent have considered ending a relationship because of credit card debt.

不幸的是，對(duì)很多人來說，負(fù)債也可能是一件壞事。46%的人考慮過因?qū)W生貸款而與伴侶分手，另有28%的人考慮過因信用卡債務(wù)而結(jié)束一段關(guān)系。

That said, millennials and Gen Zers reveal being so open about their finances allows their relationships to thrive. Seventy-four percent say talking about their financial situation with their partners and getting their advice makes their relationship stronger.

也就是說，千禧一代和80后透露，他們對(duì)自己的財(cái)務(wù)狀況非常開放，這讓他們的人際關(guān)系得以發(fā)展。74%的人表示，與伴侶談?wù)撟约旱呢?cái)務(wù)狀況并聽取他們的建議會(huì)使他們的關(guān)系更加牢固。