雖然美國(guó)年輕人的工資增長(zhǎng)低迷,，就業(yè)前景不佳，但美國(guó)依舊有大量的財(cái)富,，其百萬富翁階層的規(guī)模超過了其他任何一個(gè)國(guó)家,。而且,，這個(gè)階層仍在不斷壯大。

彭博社根據(jù)波士頓咨詢集團(tuán)的預(yù)測(cè)報(bào)道稱,，未來幾年,，達(dá)到百萬富翁標(biāo)準(zhǔn)的美國(guó)人人數(shù)將以平均每天1,700人的速度增長(zhǎng)。到2020年,，美國(guó)將新誕生310萬百萬富翁,，2010至2015年期間，百萬富翁人數(shù)增長(zhǎng)了240萬,。

該公司表示,，今天，資產(chǎn)價(jià)值（不包括不動(dòng)產(chǎn)與奢侈品）超過100萬美元的美國(guó)家庭約有800萬個(gè),。

彭博社表示,，個(gè)人財(cái)富的大幅增加主要源自“歷史上規(guī)模最大的代際財(cái)富轉(zhuǎn)移”,。美國(guó)人的財(cái)富主要集中在年齡較長(zhǎng)的群體,，而他們已經(jīng)達(dá)到富裕水平的后代將會(huì)繼承一筆財(cái)富。

彭博社引用咨詢公司Spectrem Group的研究稱,，遺產(chǎn)繼承對(duì)于保持財(cái)務(wù)增長(zhǎng)至關(guān)重要,。該公司對(duì)資產(chǎn)價(jià)值超過2,500萬美元的50歲以下投資者進(jìn)行了調(diào)查，其中有75%表示,，遺產(chǎn)繼承是他們成功的因素之一,。

但約有75%的美國(guó)人屬于圣路易斯聯(lián)邦儲(chǔ)備銀行所謂的“掙扎者”，其他則被劃為“成功者”,。前者每年的收入僅夠維持生計(jì),，而后者可以成功儲(chǔ)蓄和積攢財(cái)富。由于大量財(cái)富是通過遺產(chǎn)繼承的方式代代相傳,，因此百萬富翁數(shù)量的迅速增長(zhǎng),，并不會(huì)打破財(cái)富集中的秩序。

但現(xiàn)在成為百萬富翁可能不再具有從前的重要意義,。彭博社稱,，今天的個(gè)人凈值100萬美元，按購買力計(jì)算,，相當(dāng)于1980的341,000美元,，在20世紀(jì)初只相當(dāng)于45,000美元。如今,，成為百萬富翁甚至不能算是“富人”,，因?yàn)樯畛杀尽⒔逃屯诵輹?huì)讓財(cái)富大幅縮水,。

不過,，美國(guó)規(guī)模龐大的工薪階層肯定很愿意加入這個(gè)日益壯大的百萬富翁軍團(tuán),。（財(cái)富中文網(wǎng)）

譯者：劉進(jìn)龍/汪皓

Despite little wage growth and declining job prospects among young Americans, the U.S. is home to vast stores of wealth and a millionaire class that outsizes that of any other country in the world. And it’s about to get even bigger.

The number of Americans who meet the millionaire threshold is set to increase by an average of 1,700 every day for the coming years, Bloomberg reports, based on projections by the Boston Consulting Group. By the year 2020, the U.S. is expected to welcome 3.1 million new members into its millionaires' club, which grew by 2.4 million from 2010 to 2015.

Today, there are about 8 million American households with assets worth more than $1 million, excluding properties and luxury goods, the firm said.

The coming spike in individual wealth will largely be due to what Bloomberg calls “the largest generational transfer of wealth in history.” Much of America’s wealth is concentrated among older generations, whose mostly already affluent offspring are about to inherit a fortune.

Inheritance matters in maintaining financial growth, according to research by the Spectrem Group, a consulting firm cited by Bloomberg. Over 73% of surveyed investors under 50 with assets above $25 million told the group that inheritance factored into their success.

Some 75% of Americans, however, are what the Federal Reserve Bank of St. Louis calls “strugglers," while the remainder is classified as “thrivers.” The former make just enough to get by little each year, while the latter are able to successfully save and accumulate wealth. With so much money being handed down through inheritance, a swift rise in the number of millionaires is unlikely to upset the order of concentrated wealth.

But being a millionaire may not matter as much as it used to. Bloomberg says a net worth of $1 million today has the buying power of, say, $341,000 in 1980, or $45,000 in the early 20th century. Being a millionaire these days doesn’t even necessarily qualify one as “rich,” as living expenses, education, and retirement easily chip away at the sum.

Nonetheless, the vast majority of America’s working class would surely welcome an invitation into the country’s growing legion of seven-figure holders.