disposable income; disposable personal income

简明释义

可支配的个人收入

英英释义

例句

1.The increase in disposable income 可支配收入 has led to a rise in consumer spending.

可支配收入的增加导致消费支出的上升。

2.After paying all my bills, I realized my disposable income 可支配收入 was much lower than I expected.

在支付完所有账单后，我意识到我的可支配收入 disposable income远低于预期。

3.Investing wisely can help you grow your disposable personal income 可支配个人收入 over time.

明智的投资可以帮助你随着时间的推移增加你的可支配个人收入 disposable personal income。

4.Many people use their disposable income 可支配收入 for leisure activities and vacations.

许多人将他们的可支配收入 disposable income用于休闲活动和度假。

5.Families with higher disposable personal income 可支配个人收入 can afford better healthcare and education.

拥有更高可支配个人收入 disposable personal income的家庭能够负担得起更好的医疗和教育。

作文

Understanding the concept of disposable income or disposable personal income is crucial for anyone looking to manage their finances effectively. Disposable income refers to the amount of money that households have available for spending and saving after income taxes have been accounted for. It is a vital indicator of economic health, as it reflects the financial capacity of individuals and families to engage in consumption and savings activities.In today’s economy, where living costs are constantly rising, understanding your disposable income becomes even more important. It allows individuals to budget their expenses wisely, prioritize their needs, and plan for future investments. For instance, if someone earns a salary of $50,000 a year but pays $10,000 in taxes, their disposable personal income would be $40,000. This amount is what they can use for rent, groceries, entertainment, and savings.Moreover, disposable income is not just about having money to spend; it also plays a significant role in determining an individual's quality of life. Higher disposable personal income often translates to better access to healthcare, education, and leisure activities. Conversely, when disposable income is low, individuals may struggle to afford basic necessities, which can lead to financial stress and a lower standard of living.The relationship between disposable income and consumer spending is also noteworthy. Economists often analyze trends in disposable personal income to predict consumer behavior. When disposable income rises, consumers tend to spend more on goods and services, stimulating economic growth. On the other hand, during economic downturns, when disposable personal income declines, spending usually decreases, which can further slow down the economy.Additionally, understanding disposable income can help individuals make informed decisions about debt management. For example, if someone knows their disposable personal income after all necessary expenses, they can determine how much they can afford to allocate towards paying off debts. This strategic approach to managing disposable income can prevent individuals from falling into a cycle of debt and financial instability.Furthermore, awareness of disposable income encourages individuals to save for the future. Financial advisors often recommend that people aim to save a certain percentage of their disposable personal income each month. This practice can help build an emergency fund, save for retirement, or invest in opportunities that may yield higher returns in the long run.In conclusion, disposable income or disposable personal income is a fundamental concept that significantly impacts our daily lives and financial well-being. By understanding how to calculate and manage our disposable income, we can make better financial decisions, improve our quality of life, and prepare for future uncertainties. As such, it is essential for everyone to become familiar with this concept and apply it in their financial planning strategies.

理解可支配收入或可支配个人收入的概念对于任何希望有效管理财务的人来说都是至关重要的。可支配收入是指家庭在扣除所得税后可用于消费和储蓄的资金总额。它是经济健康的重要指标，因为它反映了个人和家庭参与消费和储蓄活动的财务能力。在当今生活成本不断上升的经济中，理解你的可支配收入变得更加重要。它使个人能够明智地制定预算，优先考虑需求，并规划未来投资。例如，如果某人的年薪为50,000美元，但支付了10,000美元的税款，那么他们的可支配个人收入将为40,000美元。这是他们可以用于租金、食品、娱乐和储蓄的金额。此外，可支配收入不仅仅是拥有可花费的钱；它还在决定个人生活质量方面发挥着重要作用。较高的可支配个人收入通常意味着更好地获得医疗保健、教育和休闲活动。相反，当可支配收入低时，个人可能会难以负担基本生活必需品，这可能导致财务压力和生活水平下降。可支配收入与消费者支出之间的关系也值得注意。经济学家经常分析可支配个人收入的趋势，以预测消费者行为。当可支配收入上升时，消费者往往会在商品和服务上花费更多，从而刺激经济增长。另一方面，在经济衰退期间，当可支配个人收入下降时，支出通常会减少，这可能进一步放缓经济。此外，了解可支配收入可以帮助个人做出明智的债务管理决策。例如，如果某人知道在所有必要支出后的可支配个人收入，他们就可以确定自己可以用于偿还债务的金额。这种对管理可支配收入的战略性方法可以防止个人陷入债务和财务不稳定的循环。此外，意识到可支配收入鼓励个人为未来储蓄。金融顾问通常建议人们每月争取将一定比例的可支配个人收入存入储蓄。这种做法可以帮助建立应急基金，为退休储蓄或投资于可能在长期内带来更高回报的机会。总之，可支配收入或可支配个人收入是一个基本概念，对我们的日常生活和财务健康有着重要影响。通过了解如何计算和管理我们的可支配收入，我们可以做出更好的财务决策，提高生活质量，并为未来的不确定性做准备。因此，每个人都应该熟悉这一概念，并将其应用于财务规划策略中。