real wages; real income; take home pay

简明释义

实得工资，实际工资

英英释义

例句

1.Many workers are struggling because their real income 实际收入 has not kept pace with rising living costs.

许多工人正在苦苦挣扎，因为他们的实际收入 real income没有跟上生活成本的上涨。

2.The government announced a plan to increase real wages 实际工资 for public sector workers.

政府宣布了一项计划，以提高公共部门工作人员的实际工资 real wages。

3.After adjusting for inflation, the company's employees saw an increase in their real wages 实际工资 this year.

在调整通货膨胀后，公司的员工今年看到他们的实际工资 real wages有所增加。

4.She was surprised to find that her take home pay 实得工资 was significantly lower after taxes.

她惊讶地发现，税后她的实得工资 take home pay显著降低。

5.Inflation can erode your real income 实际收入, making it difficult to save money.

通货膨胀会侵蚀你的实际收入 real income，使储蓄变得困难。

作文

Understanding the concepts of real wages (实际工资), real income (实际收入), and take home pay (到手工资) is crucial for anyone navigating the complexities of personal finance and economic conditions. These terms are often used interchangeably, but they have distinct meanings that can significantly impact an individual's financial situation.Firstly, real wages refer to the purchasing power of an individual's earnings, adjusted for inflation. This means that if a person's salary increases but inflation rises at a faster rate, their real wages may actually decrease. For example, if you earn $50,000 a year and inflation is at 3%, your real wages effectively become lower than what they initially were when considering what that money can actually buy in terms of goods and services. Understanding this concept helps individuals recognize whether they are truly gaining financially or merely keeping pace with rising prices.Secondly, real income encompasses all sources of income, including wages, investments, and any other earnings, adjusted for inflation. It provides a broader picture of an individual’s financial health. If someone has a side business that generates additional income, their real income would reflect this increase. Just like with real wages, if inflation outpaces income growth, the real income can decline, indicating that the person may not be better off despite earning more on paper.Finally, take home pay refers specifically to the amount of money that an individual receives after taxes and other deductions have been taken from their gross salary. It is the actual cash that one has available to spend or save. While take home pay gives a clear view of immediate financial resources, it does not account for inflation, which is where understanding real wages and real income comes into play. For instance, if your take home pay is $4,000 per month, but inflation causes the cost of living to rise, your ability to purchase goods and services may be compromised.In conclusion, grasping the differences between real wages, real income, and take home pay is essential for effective financial planning. By being aware of how inflation affects these metrics, individuals can make informed decisions about budgeting, saving, and investing. It allows them to assess their financial well-being accurately and plan for the future. In a world where economic conditions are constantly changing, understanding these concepts can empower individuals to take control of their finances and work towards achieving their financial goals.

理解实际工资、实际收入和到手工资这几个概念，对于任何在个人财务和经济条件复杂性中摸索的人来说都是至关重要的。这些术语常常被互换使用，但它们有着不同的含义，这对个人的财务状况可能产生重大影响。首先，实际工资是指个人收入的购买力，经过通货膨胀调整。这意味着，如果一个人的工资增加，但通货膨胀以更快的速度上升，那么他们的实际工资实际上可能会下降。例如，如果你每年赚取50,000美元，而通货膨胀率为3%，那么考虑到这笔钱能够实际购买的商品和服务，你的实际工资实际上会低于最初的水平。理解这一概念有助于个人认识到他们是否真的在财务上获得了收益，还是仅仅跟上了不断上涨的价格。其次，实际收入包括所有收入来源，包括工资、投资和其他收入，经过通货膨胀调整。它提供了一个人财务健康状况的更广泛的视角。如果某人有一份副业带来额外收入，他们的实际收入将反映出这种增长。就像实际工资一样，如果通货膨胀超过收入增长，那么实际收入可能会下降，表明尽管账面上赚得更多，但这个人可能并没有更好。最后，到手工资特指在税收和其他扣除项从总薪水中扣除后，个人实际收到的金额。它是一个人可用于消费或储蓄的实际现金。虽然到手工资清楚地显示了即时的财务资源，但它并不考虑通货膨胀，这就是理解实际工资和实际收入的重要性所在。例如，如果你的到手工资是每月4,000美元，但通货膨胀导致生活成本上升，那么你购买商品和服务的能力可能会受到影响。总之，掌握实际工资、实际收入和到手工资之间的区别对于有效的财务规划至关重要。通过了解通货膨胀如何影响这些指标，个人可以做出明智的预算、储蓄和投资决策。它使他们能够准确评估自己的财务状况，并为未来做计划。在经济条件不断变化的世界中，理解这些概念可以使个人掌控自己的财务，朝着实现财务目标而努力。