为什么那么多美国年轻人推迟结婚

为什么那么多美国年轻人推迟结婚

Over one in three (37 percent) young Americans are putting off getting married because of debt, according to new research.

最新调查显示，超过三分之一(37%)的美国年轻人因为债务而推迟结婚。

A poll of 1,000 millennials and 1,000 Gen Zers found — of the younger generations with debt — 84 percent have considered delaying or holding off on taking their relationship to the next level because they want to pay off their debts first.

一项针对1000名千禧一代和1000名80后的调查发现，84%的人曾考虑过推迟或推迟将两人的关系发展到下一阶段，因为他们想先还清债务。

Due to debt, 37 percent are delaying engagements, while a further 37 percent are holding off on getting married. Another 25 percent have put on hold moving in with their partner, while 29 percent have delayed purchasing a home.

由于债务问题，37%的人推迟订婚，另有37%的人推迟结婚。另有25%的人推迟了与伴侣同居的计划，另有29%的人推迟了购房计划。

At the same time, debt is no longer taboo among younger generations.

与此同时，债务不再是年轻一代的禁忌。

Conducted by OnePoll in conjunction with Laurel Road, a digital lending platform, the survey explored the relationship dynamics and financial habits of 1,000 millennials and 1,000 Gen Zers.

OnePoll与数字借贷平台Laurel Road联合开展的这项调查，探讨了1000名千禧一代和1000名千禧一代的关系动态和财务习惯。

Results uncovered that 81 percent of respondents understand debt is common amongst their peers — and don’t want to let it negatively affect their romantic relationships.

调查结果显示，81%的受访者明白，在他们的同龄人中，债务是很常见的，他们不想让债务给他们的恋爱关系带来负面影响。

The results also revealed that a third (33 percent) of respondents currently have debts they are working to pay off, but younger generations are trying to be proactive and seek advice about how best to handle their finances.

调查结果还显示，三分之一(33%)的受访者目前正努力偿还债务，但年轻一代正努力变得积极主动，并就如何最好地处理自己的财务问题寻求建议。

Nearly three in five (58 percent) respondents reveal they found out about their partner’s debt within a year of being together.

近五分之三(58%)的受访者表示，他们在一起不到一年就发现了伴侣的债务问题。

However, when it comes to the most appropriate time to reveal debt to a partner, results reveal that a third (34 percent) consider it appropriate to inform their significant other about their debt within six months of being in a committed relationship.

然而，当涉及到向伴侣透露债务的最合适时间时，结果显示，三分之一(34%)的人认为，在一段忠诚的关系开始后的六个月内，将债务告知他们的另一半是合适的。

Interestingly enough, a whopping 84 percent of respondents are open about discussing their debt with a partner.

有趣的是，高达84%的受访者对与伴侣讨论债务持开放态度。

However, the survey suggests that this openness is not always immediate. Of those with debt, nearly half (49 percent) have avoided discussing their debt with a partner when it comes up in conversation and 65 percent are currently hiding that debt from their partners.

然而，调查显示，这种开放并不总是立竿见影的。在那些有债务的人中，近一半(49%)在谈话中避免与伴侣讨论债务，65%的人目前对伴侣隐瞒债务。

As a result, millennials and Gen Zers are going to their partners for money advice and support. Seventy-six percent of those studied say they often seek advice from their partner about how best to manage their financial situation.

因此，千禧一代和80后会向他们的伴侣寻求理财建议和支持。76%的被调查者表示，他们经常向伴侣寻求如何最好地管理自己的财务状况的建议。

Beyond giving general advice, millennials and Gen Zers are supporting and encouraging their partners to be proactive about their finances and debts.

除了提供一般性的建议外，千禧一代和80后也支持并鼓励他们的伴侣对自己的财务和债务采取积极主动的态度。

Fifty-five percent of respondents worked on a budget or payment plan together with their partner while a further 36 percent researched refinancing options in an effort to help each other manage the other’s debt.

55%的受访者与伴侣一起制定预算或还款计划，另有36%的人研究再融资方案，以帮助彼此管理对方的债务。

“Debt and personal finance can be a tricky topic for even the most stable couples, but it’s essential to be open about your debt if you are going to grow a relationship,” said Alyssa Schaefer, Chief Marketing Officer for Laurel Road.

“对于最稳定的夫妻来说，债务和个人财务可能是一个棘手的话题，但如果你想要发展一段关系，就必须公开你的债务，”Laurel Road的首席营销官Alyssa Schaefer说。

“Our survey also found that student debt especially, has become a widespread financial concern among millennials and will likely be the same for Gen Z. It’s encouraging to see the empathy that younger generations have developed for one another.”

“我们的调查还发现，学生债务在千禧一代中已成为一个普遍的财务问题，z一代可能也会如此。看到年轻一代对彼此产生的同理心，令人鼓舞。”

Almost half (38 percent) of those whose partners have spoken to them about their debt have offered to take it on themselves.

近一半(38%)的人表示愿意承担自己的债务。

Over half (56 percent) would be willing to help their partner with paying off student loans, while 38 percent would be willing to assist their partner with their credit card debt.

超过一半(56%)的人愿意帮助他们的伴侣偿还学生贷款，而38%的人愿意帮助他们的伴侣偿还信用卡债务。

Unfortunately, having debt can also be a deal-breaker for many. Forty-six percent have considered breaking things off with a partner over student loans while a further 28 percent have considered ending a relationship because of credit card debt.

不幸的是，对很多人来说，负债也可能是一件坏事。46%的人考虑过因学生贷款而与伴侣分手，另有28%的人考虑过因信用卡债务而结束一段关系。

That said, millennials and Gen Zers reveal being so open about their finances allows their relationships to thrive. Seventy-four percent say talking about their financial situation with their partners and getting their advice makes their relationship stronger.

也就是说，千禧一代和80后透露，他们对自己的财务状况非常开放，这让他们的人际关系得以发展。74%的人表示，与伴侣谈论自己的财务状况并听取他们的建议会使他们的关系更加牢固。