近三分之一美国人经济上入不敷出

Fewer U.S. households are stashing away cash today than during the early stages of the economic recovery.

和经济复苏初期相比，现在有储蓄的美国家庭变少了。

A new survey released Monday found that only 68% of all Americans are spending less than they earn and saving the difference. That's down from 73% in 2010, the first full calendar year after the recession ended.

周一公布的一项新调查显示，在所有美国人中，只有68%的人挣的比花的多，并将没花完的钱存起来。而在2010年（美国摆脱衰退后的第一个完整日历年），这一比例为73%。

Some 64% of households have emergency funds, down from 71% in 2010. The survey found 76% are reducing their consumer debt, down from 79% in 2010.

约有64%的家庭有应急基金，该比例低于2010年的71%。调查还显示，76%的家庭在减少消费债务，2010年这一比例为79%。

A divide remains along incomes. More than 80% of households earning over $50,000 spend less than they earn. Only about 69% of households making less than $50,000 are able to save.

不同的收入阶层，有储蓄家庭的占比也存在区别。在年收入超过5万美元的家庭中，有超过80%的家庭挣的比花的多。而在年收入低于5万美元的家庭中，只有69%左右的家庭能存下钱。

The pattern holds for reducing consumer debt and maintaining an emergency fund. Nearly 90% of households in the top half are reducing their debt or are debt free, and more than 80% have a 'sufficient' emergency fund.

不同的收入阶层，减少消费债务和保持应急基金的家庭所占的比例也存在差别。年收入在5万美元以上的家庭中，近90%的家庭正在削减债务或是没有债务，超过80%的家庭拥有充裕的应急基金。

Only 78% of those making less than $50,000 are reducing their debt or debt free, while 63% are content with their emergency fund.

而年收入在5万美元以下的家庭中，只有78%的家庭在削减债务或没有债务，63%的家庭拥有他们觉得满意的应急基金。

Median household income in the United States in 2012 was $51,017, according to Census Department data.

美国人口普查局(Census Department)的数据显示，2012年美国家庭收入中值为51,017美元。

'The group hit the hardest by the Great Recession and its aftereffects have been moderate income households,' said Stephen Brobeck, executive director of the Consumer Federation of America. The federation and the American Savings Education Council released the results Monday as part of their campaign to encourage savings.

美国消费者联盟(Consumer Federation of America)的执行理事布罗贝克(Stephen Brobeck)表示，受经济大衰退及其余波打击最大的是中等收入家庭。美国消费者联盟和美国储蓄教育委员会(American Savings Education Council)周一公布了上述调查结果，以此作为鼓励美国人储蓄的举措之一。

Separate data from the Commerce Department back up the survey data. The personal saving rate--savings as a share of disposable income--was only 3.9% in December 2013, down from 5.8% at the end of 2010.

美国商务部(Commerce Department)公布的另一项报告也支持了上述调查结果。2013年12月份美国个人储蓄率仅为3.9%，低于2010年底时的5.8%。储蓄率是储蓄占可支配收入的比重。

Americans have been spending more but incomes have been stagnant, leading to the lower saving rate.

美国人的支出在增加，但收入并没有增长，这导致储蓄率下降。