Securing both financial success and career opportunities comes at a cost — one that is growing each year. Overall, Americans need an average post-tax income of $68,499 to live comfortably in the U.S., according to recent data from SmartAsset.

既要有工作机会，也要有丰厚的收入回报，能实现这两点并不容易-实现这两点的成本也变得越来越高。根据SmartAsset最近提供的数据，总体而言，美国人平均税后收入要达到68499美元才能过得舒适。

SmartAsset’s study analyzed the after-tax income needed to live in the nation’s 25 largest metro areas comfortably. To determine the required salary for a single individual with no kids in each city, SmartAsset employed the 50/30/20 rule, which defines a comfortable lifestyle as one in which 50% of after-tax income is applied to basic living expenses (needs), 30% to discretionary income (wants) and 20% to savings and debt.

SmartAsset的研究分析了在美国25个最大的都市区舒适生活需要多少税后收入。SmartAsset采用50/30/20原则来测算一个人（没有孩子的情况下）在每个城市生活需要多少收入。根据SmartAsset的定义，舒适的生活方式是指50%的税后收入用来基本生活开销（必需品），30%是可自由支配的收入（奢侈品），而20%用来储蓄和偿还债务。

Metro area：也可称为Metropolis，即大都会，大都市

discretionary income：可自由支配的收入

The post-tax salary needed in these 25 areas increased by around 20% throughout 2022, while inflation grew about 8%.

随着通货膨胀率增加了大约8%，在这25个城市生活所需要的税后收入在2022年大约增加了20%。

“Inflation is taking a bigger bite out of their paychecks and the cost of living is rising. What does it take in these cities to really feel not just like you’re surviving financially, but like you’re comfortable? Like you’re thriving?” Snider says.

“通货膨胀导致薪水变得更少了，同时生活成本也增加了。那么，需要赚多少钱才会感觉在这些城市生活并没有过得紧巴巴，而是比较舒服？”

Paycheck：工资薪水

How much Americans need to live comfortably

美国人需要赚多少才能过上舒适的生活

For the second year in a row, St. Louis is the most affordable city on the list, with a required after-tax salary of $57,446. In contrast, San Francisco requires the highest take-home pay to maintain a comfortable lifestyle at an after-tax salary of over $84,000.

圣路易斯已经连续2年是榜单上最实惠的城市，在这里生活需要税后收入达到57446。旧金山是维持舒适生活方式花费最高的城市，在这里想要过得舒服需要税后收入超过8.4万美元。

Income demands in Southern California rose nearly 30% this year; the Riverside metro area, for example, had the most acute one-year increase in required income, up 27.28% from 2022.

在南加州，想要过上舒适生活的收入在今年增加了将近30%；比如Riverside都市区，今年所需要的收入就比2022年增加了27.28%，是单年增加幅度最大的一个地区。

Here are the salaries needed to live comfortably in 15 major U.S. cities:

在美国15大城市，如果想要过得比较舒适，需要达到以下收入：

1. San Francisco metro area: $84,026

2. San Diego metro area: $79,324

3. Boston metro area: $78,752

4. New York metro area: $78,524

5. Seattle metro area: $77,634

6. Los Angeles metro area: $76,710

7. Washington, D.C. metro area: $76,194

8. Miami metro area: $67,056

9. Atlanta metro area: $66,580

10. Phoenix metro area: $65,670

11. Chicago metro area: $65,500

12. Dallas metro area: $64,742

13. Houston metro area: $62,260

14. Philadelphia metro area: $61,678

15. St. Louis metro area: $57,446

Why does San Francisco top the list?

为什么旧金山位居榜首

In cities like San Francisco, the cost of living comfortably exponentially increased over the past year, from roughly $74,000 in 2022 to about $84,000 in 2023, Snider says.

Snider表示，在类似于旧金山这样的大都市，想要过得舒适的生活成本在过去的一年呈指数级增加，从2022年的大约7.4万美元增加到了今年的8.4万美金。

California cities’ elevated cost of living can be explained, in part, by the state’s high income, gas and sales taxes. In San Francisco, for example, residents face a statewide gas tax rate of $0.539 per gallon and a sales tax of 8.625%.

加州地区城市高涨的生活成本一部分可归因于加州的高收入、油价以及消费税。比如，旧金山居民的汽油税率为0.539美元/加仑，而消费税则为8.625%。

San Francisco’s $10,000 increase “really highlights just how much the rising cost of living might be making [residents] feel like maybe that salary last year, that allowed them to feel like they were living comfortably, isn’t really going as far this year,” Snider says.

Snider表示，在旧金山生活需要的收入增加1万美金“凸显了生活成本的增加。人们可能会觉得去年可以让自己过得很舒服的收入在今年可就未必了。”

原文来源：CNBC

编辑：上海译锐翻译

注：上海译锐翻译是一家专业的翻译公司，我们致力于通过优质的翻译服务助力客户。