permanent income

简明释义

长期收入

英英释义

例句

1.Changes in tax policy can affect an individual's permanent income and overall financial stability.

税收政策的变化可能会影响个人的永久收入和整体财务稳定性。

2.Understanding your permanent income can help you make better financial decisions.

理解你的永久收入可以帮助你做出更好的财务决策。

3.Investors often look at a company's permanent income to gauge its long-term viability.

投资者通常会关注公司的永久收入以评估其长期可行性。

4.Many economists believe that a person's spending habits are influenced by their permanent income.

许多经济学家认为，一个人的消费习惯受到其永久收入的影响。

5.To plan for retirement, it's important to consider your permanent income and how it will change over time.

为了规划退休，考虑你的永久收入及其随时间变化是很重要的。

作文

Understanding the concept of permanent income is crucial for individuals who wish to manage their finances effectively. The term permanent income refers to the average income that a person expects to earn over a long period, taking into account factors such as career stability and economic conditions. This concept was popularized by economist Milton Friedman in his Permanent Income Hypothesis, which suggests that people base their consumption choices not just on their current income but on their expected lifetime income. In today's fast-paced world, many individuals face fluctuations in their earnings due to various reasons such as job changes, economic downturns, or unexpected expenses. Understanding permanent income can help individuals plan their financial future more effectively. By focusing on their anticipated long-term income rather than short-term gains, they can make wiser decisions regarding savings, investments, and expenditures.For instance, consider a recent college graduate who lands a well-paying job. Initially, they might feel inclined to spend their salary on luxury items and experiences. However, if they understand the concept of permanent income, they will realize that their current salary may not reflect their long-term earning potential, especially if they expect to advance in their career or if the job market becomes unstable. This awareness can encourage them to save a portion of their income and invest wisely, ensuring financial security in the future.Moreover, understanding permanent income can also influence how individuals approach debt. For example, someone who comprehends their long-term earning potential may be more cautious about taking on significant debt, like a mortgage or student loans. They might prioritize paying off high-interest debt first or choose a more affordable living situation, knowing that their financial decisions today will impact their future lifestyle.Additionally, the concept of permanent income can play a vital role in retirement planning. Individuals who consider their expected lifetime earnings are more likely to contribute consistently to retirement accounts. They understand that their permanent income will determine their ability to maintain their desired standard of living after they stop working. Consequently, they might set specific savings goals based on their anticipated income during retirement, allowing them to enjoy a comfortable lifestyle in their later years.In conclusion, grasping the idea of permanent income can significantly enhance an individual's financial literacy. It encourages people to think long-term and make informed decisions about spending, saving, and investing. By focusing on their expected lifetime income rather than short-term fluctuations, individuals can better prepare for future uncertainties, manage their debts responsibly, and secure a stable financial future. As we navigate an ever-changing economic landscape, understanding permanent income will remain a foundational principle for achieving financial success and stability.

理解“永久收入”这一概念对希望有效管理财务的个人至关重要。术语“永久收入”指的是一个人预计在较长时期内所能获得的平均收入，考虑到职业稳定性和经济条件等因素。这个概念由经济学家米尔顿·弗里德曼在其“永久收入假说”中提出，该假说认为，人们的消费选择不仅仅取决于他们的当前收入，还取决于他们预期的终身收入。在当今快节奏的世界中，许多人由于各种原因面临收入波动，例如工作变动、经济衰退或意外支出。理解“永久收入”可以帮助个人更有效地规划财务未来。通过关注他们预期的长期收入而非短期收益，他们可以在储蓄、投资和支出方面做出更明智的决定。例如，考虑一位最近毕业的大学生，他找到了一个高薪工作。起初，他们可能会倾向于用工资购买奢侈品和体验。然而，如果他们理解“永久收入”的概念，他们将意识到当前的工资可能并不能反映他们的长期收入潜力，尤其是如果他们预计会在职业上取得进步或如果就业市场变得不稳定。这种意识可以鼓励他们储蓄一部分收入并进行明智的投资，从而确保未来的财务安全。此外，理解“永久收入”还可以影响个人对待债务的方式。例如，那些了解自己长期收入潜力的人可能会对承担重大债务（如抵押贷款或学生贷款）更加谨慎。他们可能会优先偿还高利息债务，或者选择更负担得起的居住方式，因为他们知道今天的财务决策将影响未来的生活方式。此外，“永久收入”的概念在退休规划中也发挥着重要作用。考虑到预期的终身收入，个人更有可能持续向退休账户缴款。他们明白，自己的“永久收入”将决定他们在停止工作后维持所需生活水平的能力。因此，他们可能会根据预期的退休收入设定特定的储蓄目标，从而在晚年享受舒适的生活方式。总之，掌握“永久收入”的概念可以显著提高个人的财务素养。它鼓励人们从长远角度思考，并对消费、储蓄和投资做出明智的决定。通过关注预期的终身收入而非短期波动，个人可以更好地为未来的不确定性做好准备，负责任地管理债务，并确保稳定的财务未来。在我们应对不断变化的经济环境时，理解“永久收入”将始终是实现财务成功和稳定的基础原则。