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| Marriage builds wealth.
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Staying married has its benefits, especially financial, as a new
U.S.-wide study shows the wealth of a married person is almost double that
of somebody who is single.
Divorce among US baby boomers reduced personal wealth by
about 77 percent compared to that of a single person, while the financial
standing among those who remained married almost doubled, according to a
nationwide study released this week.
"If you really want to increase your wealth, get married and stay
married. On the other hand, divorce can devastate your wealth," said Jay
Zagorsky, author of the study and a research scientist at Ohio Sate
University's Center for Human Resource Research.
Married people will see an increase in wealth that is more than just
adding the assets of two single people, according to the study that was
published in the Journal of Sociology.
Those who remained together saw a 93 percent gain in wealth compared to
that of a single person, while individuals facing divorce saw their
financial situation deteriorate long before the decree became final,
according to Zagorsky.
The study used data from surveys taken over a 15-year period involving
9,055 Americans who were between 21 and 28 years old in 1985.
Those respondents who remained single had a steady, but slow growth in
wealth, from less than $2,000 at the start of the surveys up to an average
of about $11,000 after 15 years.
However, those who married and stayed that way showed a sharp increase
in wealth accumulation after marriage, growing to an average $43,000 by
the 10th year of marriage or by about 16 percent a year.
For people who married and then divorced, there was a slow build-up of
wealth during the early years of marriage and then a steady decline about
four years prior to divorce.
"Many of these people may have separated before the divorce became
official, which would help explain why wealth starts falling so early,"
Zagorsky said. "Divorce is often a long and messy process, and you can see
this in the four-year decline in wealth."
The study also cast doubt on a common assumption that divorce is much
harder financially on women than on men. In fact, it showed that women
suffered financially only slightly more than men.
(Agencies) |
全美范圍內(nèi)的一項(xiàng)最新調(diào)查顯示，已婚人士的個(gè)人財(cái)產(chǎn)往往是單身漢的兩倍?？磥?lái)，維持婚姻關(guān)系大有益處，尤其是在理財(cái)方面。
本周公布的全國(guó)調(diào)查數(shù)據(jù)顯示，與單身漢相比，離婚導(dǎo)致"嬰兒潮"時(shí)代出生者的財(cái)產(chǎn)減少近77％，而維持婚姻者的財(cái)產(chǎn)狀況幾乎比單身漢好一倍。
這項(xiàng)研究報(bào)告的作者，俄亥俄州立大學(xué)人力資源中心的研究員杰伊·扎戈?duì)査够f(shuō)："如果你真得想致富，就請(qǐng)結(jié)婚并維持你的婚姻。另一方面，離婚會(huì)毀掉你的財(cái)富。"
這份研究報(bào)告刊登在《美國(guó)社會(huì)學(xué)雜志》上，報(bào)告強(qiáng)調(diào)，已婚人士的財(cái)產(chǎn)會(huì)增加，而且比兩個(gè)單身漢的財(cái)產(chǎn)加起來(lái)還要多。
扎戈?duì)査够f(shuō)，與單身漢相比，那些維持婚姻的夫婦財(cái)富增加了93%，而面臨離婚的夫婦，其經(jīng)濟(jì)狀況在正式判決離婚之前很久就已開(kāi)始惡化。。
這項(xiàng)研究分析了15年內(nèi)對(duì) 9055名美國(guó)人的調(diào)查數(shù)據(jù)，這些人在1985年時(shí)年齡在21歲至28歲之間。
對(duì)于15年間一直未婚的單身族，他們的財(cái)產(chǎn)增長(zhǎng)平穩(wěn)，但是速度緩慢。調(diào)查開(kāi)始時(shí)，他們的財(cái)產(chǎn)不到2000美元，15年后達(dá)到1.1萬(wàn)美元。
而已婚并維持婚姻關(guān)系的人士的財(cái)產(chǎn)增長(zhǎng)比較顯著，在結(jié)婚10年后達(dá)到4.3萬(wàn)美元，年收入增長(zhǎng)16％。
對(duì)于那些遭遇婚姻變故的人而言，他們的財(cái)產(chǎn)在婚后最初幾年里有緩慢增長(zhǎng)，然后在離婚前四年開(kāi)始逐漸下降。
扎戈?duì)査够f(shuō)："許多人在正式離婚前就已分居了，這也許是他們的財(cái)產(chǎn)那么早就開(kāi)始減少的原因，離婚是一個(gè)漫長(zhǎng)而又復(fù)雜的過(guò)程，從財(cái)產(chǎn)在四年里的下降趨勢(shì)就可以看到這一點(diǎn)。"
人們普遍認(rèn)為離婚對(duì)女性造成的經(jīng)濟(jì)損失比男性要嚴(yán)重得多，但是這項(xiàng)研究使人對(duì)這種觀點(diǎn)產(chǎn)生懷疑。事實(shí)上，女性遭受的經(jīng)濟(jì)損失只比男性多一點(diǎn)而已。
(中國(guó)日?qǐng)?bào)網(wǎng)站編譯)
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Updated: 2006-01-24 09:29
