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How much does the Average American Make?
Breaking Down the U.S. Household Income Numbers.
How much does the typical American family make?
This question is probably one of the most central in figuring out how we can go about fixing our current economic malaise.
After all, we don’t hear many people saying in today’s world that they have too much money.
The median household income in the United States is $46,326.
Here in California people have a hard time understanding that yes, 50 percent of our population live on $46,000 or less a year.
Even today, all the elixirs and remedies being thrown around fail to focus on income and the big brother of income, solid employment.
Dual earner households have a higher median income at $67,348.
To highlight the massive discrepancy I’ve put together a chart showing the household income distribution:
As you can see from the above chart, only 17.8% of all U.S. households make more than $118,200 a year.
Only 2.67% make more than $200,000.
The fact that only 34% make more than $65,000 is astounding given how expensive other cost of living items have gotten over the past decade.
That is why the middle class is feeling squeezed from all different sides.
When I put
I received a bit of feedback on both sides.
Even though I realized very few people had household incomes in the 6 figure range looking very closely at the data, I can understand why people took issue with a budget that was at that level.
I also put together a budget from
and received feedback as well.
I think when it comes to income, you can never have too much.
What is even more fascinating, is how even amongst the super wealthy income is not distributed evenly.
There are approximately 146,000 (0.1%) households with incomes exceeding $1,500,000 a year.
Even at that, the top 0.01% of households had incomes of $5,500,000 and accounted for 11,000 households.
The 400 highest tax payers in the nation brought in a stunning $87,000,000 a year.
Now that is wealth.
For us mere mortals, it is important again to focus on that chart.
$46,000 does not go a long way.
In a recent Census report there are 110,000,000 households in the United States.
What this data tells us is that 55,000,000 households are living on $46,000 or less a year.
Let us assume this is a married couple with 1 child.
Let us run the numbers:
I ran the numbers for a state with no state income tax, Texas.
A family at this level is only bringing in $3,215 a month.
The national median home price peaked around $200,000.
So let us assume this family purchased the median home:
5% down payment:
Mortgage 30-year fixed (6.5%):
Taxes and Insurance:
Right off the bat, this family is spending 47% of their net pay on a median priced home.
We didn’t even account for any pre-tax retirement account investing.
Given the , maybe that wasn’t such a bad idea.
The bottom line is the average American family is being squeezed from every angle.
What we need is a focus on jobs and our economy, not bailing out banks.
That defeats the entire purpose.
The average American family is struggling getting by and when they hear about these billion dollar handouts, they can’t help but to feel left out.
**Update February 2013:
Since this article was written, not much has changed on the household income front.
I went ahead and dug out the most recent data on household income:
Census, ACS 2011
The latest Census data has the median household income in the US at $50,500.
But as the chart above highlights one out of four US households are living with less than $25,000 per year in household income.
This makes sense when we measure this up against Social Security data that has the
worker income at $26,000 for 2010.
You also begin to realize why two income households are almost a necessity to get by in American today.
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Did you use to get on (along)well with your brother? (Not too well. We used to fight a lot.
So we went home. (
I used to play tennis ,
they didn.
have it repaired .
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either blue or red
shall we ?
she used to live here& .
I like best& (
He is wearing a red T-shirt . (
Shall we have something to eat& (
must have put it (
either by bus or by subway
could& have something to eat (
I would like a cup of tea& . (
If I won the lottery, I
isn’t she ?
they didn’t know where the books were& .
have it repaired .
the most dangerous sports& (
that one’s /one is yours
either blue or red
shall we ?
she used to live here& .
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Shall we have something to eat& (
must have put it (
could& have something to eat (
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could& have something to eat (
I would like a cup of tea& . (
aren’t I (
either blue or red (
I’ll tell her about her brother (
didn’t get up(
that one’s /one is yours(
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1.英文：In my mind, everyone shall have his own dream. I think that having a dream means that we have an idea, and then we will do all the things to achieve the target. As long as we have a goal to be realized, we won’t be blind at least. My dream is to become a successful stateman, helping those people who need help with their rights. Of course, to be a good stateman is very difficult, but I will do whatever I can do to keep everyone satisfied. That's my dream. I want to try my best to help the poor sick people of our country.
China is a developing country which needs good stateman,especially in the countryside and distant villages. Now I’m a junior student on Grade One, My dream is also that although at present I’m good at study, I’ll still try my best to be the study winner. Now everything I do is close to my dream. I feel life is fill with hope and is colorful, and I have enough confidence to realize my dream. 翻译： 在我心目中，每个人都应当有自己的梦想。我认为有一个梦想就是我们有一个想法，然后我们将尽一切事情以达到目标。只要我们有一个目标得以实现，我们不会盲目至少。 我的梦想是成为一个成功的志愿者，帮助那些需要帮助的人。当然，做一个好是非常困难的，但我会尽我所能做到让所有人满意。这是我的梦想。我要尽我所能来帮助我国贫困病人。中国是一个发展中国家，需要有良好的志愿者，特别是在农村和偏远的乡村。 现在我已经是上初中一年级学生，也是我的梦想是，虽然目前我很善于学习，我还是会尽我最大努力，来做这项工作的赢家。现在我所做的一切是接近我的梦想。我觉得生活是充满希望，是丰富多彩的，我有足够的信心去实现我的梦想。2.英文：
My familyI love my family, because I have a happy family.My father is an English teacher. His name is Jacky. He is thirty-eight. He likes playing basketball. What’s my mother job? Is she a teacher? Yes, you’re right! My mother is very kind and nice, she is thirty-seven. My mother is always laborious work. I love my parents!On Saturday and Sunday, I often go to the library and play the piano, My father go to play basketball. Sometimes, we watch TV and listen to music at home.I love my family. Because I’m very happy to live with my parents together!翻译：
我的家庭我爱我的家庭,因为我有一个快乐的家庭.我的爸爸是一名英语教师,他的名字叫Jacky.他今年38岁.他非常喜欢打篮球.我的妈妈是赶什么呢?她是一名教师吗?是的.你说对了!我的妈妈是一个很亲切、友善的人,她今年37岁.我妈妈总是勤劳的干活.我爱我的父母.在星期六和星期天里,我经常去图书馆和弹钢琴.我爸爸去打篮球.有时侯,我们都在家看电视和听音乐.我爱我家.因为我和爸爸妈妈一起生活得很开心! 3.英文：A farmer has five sons.They are Ted,Bob,Tom,John and Bill. John has no elder brother. He was four years older when his first younger brother was born. The number of Tom‘s elder brothers is equal to his younger brothers. Bill will be twenty-one years old next year, and he is five years older than Bob. Bob is two years younger than Tom. Ted was sad because he has no younger brother. There are twelve years between him and John. 翻译：一个农民有5个儿子。他们是Ted,Bob,Tom,John 和 Bill。John没有比他大的哥哥，他比第一个出生的比他小的那个弟弟大4岁，Tom哥哥的数量和他的弟弟的数量是一样的（就是他是老三）Bill 明年就21岁了，他比Bob大5岁，比Tom小2岁，Ted因为没有弟弟而难过 Ted 和John之间差了12岁4.英文：2010 will be end ,and 2011will be come .In the new year ,we must be have much wishes ,because new year means that things end and another things start.So we need to make a new year&s resolution in order to the second year will be better.I want to share my new year&s resolution with you. Firstly,i decide to try my best to learn english .because my english so poor that it affects my other subject.I willface many differences ,such as broadening my vocabulary, training my listening ,improving my write and so on. I must work hard because i don&t want to behind the times. Secondly ,i will give up watching football games because every time it takes me two hours ,which makes me not finish my homework .As a student ,study is our duty ,so i wii focused more on study and less on playing . In order to my future ,i will work hard！翻译：
2010年将结束，2011即将到了。在新的一年，我们必须有很多的愿望，因为新的一年意味着事情结束和另一个东西开始.所以我们需要作出新的一年“的计划，以便在第二个今年将是更好的新年与你分享。首先，我决定尽我所能地学习英语。因为我的英语很差，它会影响我的其他的科目.都有不小的差距，如扩大我的词汇，我的听力训练，提高我的写作等。我必须努力工作，因为我不想落后于时代。其次，我会放弃，因为每看一次我花了两个小时，这使我无法完成我的作业足球比赛作为一个学生。，学习是我们的职责，所以我的将会更注重学习和玩少一点。为了我的将来，我会努力的！5.英文：My winter holidays plans me studying for my English , I will make great efforts to learn English. Persist in listening to half hours of English every day. I will accomplish the school assignment that the teacher arranges best with the quickest speed. I can not forget to take the body exercise certainly also , I may take the body exercise coming drawing out 30- - 1 hours in time in every day. I play with the once computer coming certainly may draw out one small Duan time , watch one meeting TV or. Certainly need only 1 hour. This it is my winter holidays to plan!翻译：我为了我的英语学习，我将努力学英语。坚持每天听半个小时的英语。我将以最快速度最好的完成老师布置的作业。我当然也不会忘记锻炼身体，我会在每天的时间中抽出30--1小时来锻炼身体。我当然会抽出一小段时间来玩一下电脑，或者看一会电视。当然只要1小时。这就是我的寒假计划！ 6.英文：Welcome
the World ExpoAs we all know that Shanghai will host the 2010 World Expo.The World Expo has a long history but it has never been held in Asia. So it is a great honor for our city.It is a great honor for all the Asians,too.As a host city,Shanghai will have more chances to develop quickly.The government has promised that it will be the best one among all the Expo that was host in other cities.As a student in Shanghai,I should learn English well so that I can be a volunteer in the World Expo.I want to help vistors that cone from all over the world.I will help them know more about Shanghai and China.I will do my best to welcome the World Expo. 翻译：迎世博会正如我们都知道，上海将主办2010年世界的博览会.这世博会有着悠久的历史，但从未在亚洲举行。因此，它是我们城市的巨大的荣誉。这也是所有的亚洲人非常荣幸。作为主办城市，上海将有更多的机会迅速发展。政府已作出承诺，这将是世博会中的所有其他城市这是最好的主机之一。作为一个在上海的学生，我要学好英语，这样我可以成为世博会志愿者。志愿者要帮助来自世界全国各地的的访问者认为谁将帮助他们了解更多关于上海和中国.我将尽我所能，迎接世博会。7.英文：There are many different kinds of food. My favorite food is fried rice.In China, most of the people in the south eat rice. And I like fried rice best.
It’s really delicious. When I go home from school, I am always hungry. At that time I always make fried rice by myself. I often cook it carefully and it is so delicious. It makes me happy. After eating it, I am not hungry any more. Fried rice is my favorit翻译：有许多不同种类的食物。我最喜欢的食物是油炸rice.In中国，大多数人在南方吃米饭。而且我喜欢炒饭最好的。 这真是好吃。当我放学回家，我总是饿。当时我总是自己做炒饭。我经常做饭小心，它是如此美味。这让我高兴。吃完了，我不饿了。炒饭是我的最爱。 8.英文：In this world, everyone need energy to survive. where does the energy comes from? Everyday we eat a certain quantity of food, it would provide energy to our daily life.
The food I love most is the vegetables. Without taking certain vegetables every day, you may cause health problems. Maybe it is not very delicious, but it's very important to us.翻译： 每个人都需要能量来生存在这个世界上。能力是从哪里来的呢？每天我们都会吃一定量的食物，它给我们的日常生活提供能量。
我最爱的食物是蔬菜。每天，你不吃一定量蔬菜的话，你的健康会出问题。也许它不是那么可口，但是它对我们来说很重要。 9.英文：I eat many kinds of fruits. They are pears, watermelons, apples, bananas, grapes, strawberries and so on. But I like grapes best. There are green grapes, red grapes and purple grapes. They all look beautiful. Grapes taste very nice . They are sweet and a little sour, They are good for our health . So grapes are my favourite fruit. 翻译：我最喜欢的食物我吃多种水果。他们是梨，西瓜，苹果，香蕉，葡萄，草莓等。但我最喜欢葡萄。有绿葡萄，红葡萄和紫色的葡萄。她们看上去都很漂亮。葡萄味道非常好。他们有点甜酸味，他们是很好的为我们的健康。因此，葡萄是我最喜欢的水果。 10.英文：
My favourite holiday is Mid—Autumn Festival. It’s in September or October. We usually eat moon cakes, play with lanterns and watch the moon.
The Mid-Autumn Festival is one of the two most important holidays in the Chinese calendar (the other being the Chinese Lunar New Year), and is a legal holiday in several countries. Farmers celebrate the end of the summer harvesting season on this date. Traditionally, on this day, Chinese family members and friends will gather to admire the bright mid-autumn harvest moon, and eat moon cakes and pomeloes together. It is also common to have barbecues outside under the moon, and to put pomelo rinds on one's head. Brightly lit lanterns are often carried around by children. Together with the celebration, there appear some special customs in different parts of the country, such as burning incense, planting Mid-Autumn trees, lighting lanterns on towers, and fire dragon dances. Shops selling mooncakes, before the festival, often display pictures of Chang'e, floating to the moon.翻译：
我最喜欢的节假日是中秋节。它在9月或8月。在这个时候，我通常吃月饼，玩花灯而且赏月。中秋节是一个最重要的两个节日在农历（另一个是中国农历新年） ，而且这是一个法定假日在几个国家。农民庆祝夏末收获季节就这一日期。传统上，在这一天，中国的家庭成员和朋友将会聚一堂，欣赏明亮中秋圆月。11.Last week our music teacher taught us a song, named Indebted Heart. Through it I know that we should live with a thankful heart. At that time, I think of my parents. I think they are the first people I should thank. It’s them who give me life. It’s them who give me home. It’s them who bring me up. It’s them who look after me. It’s them who teach me knowledge and live happily. I should thank my parents giving me so much. Maybe I should think how to pay back the love my parents give me.
But now I think the best way to be appreciated of my parents is to study well and then being a useful person to the society when I grow up.上周我们的音乐老师教了我们一首歌，叫感恩的心。通过这首歌我知道我们应该怀着一颗感恩的心去生活。在那时，我想起了我的父母。我认为他们是我最应该感谢的人。是他们给了我生命。是他们给我一个家。是他们抚养我长大。是他们在照顾我。是他们教给我知识，给了我幸福快乐的生活。我要感谢我的父母给了我这么多。也许我应该考虑如何回报父母给我的一切。但现在我觉得感谢我父母的最好的方法就是好好学习，长大后做一个对社会有用的人。
Today is Sunday.It is raining.I have to stay at home with my family.Look!My mother is cooking.My father is talking to my grandfather about the newspapers.My sister is doing her homework.I am with my brother.We are playing comeputer games. 翻译：今天是周日。正在下雨。我不得不和家人呆在家里。看！我的妈妈正在做饭。我的爸爸正在与我的外祖父谈论这份报纸。我的姐姐正在做她的作业。我和我的哥哥在一起。我们正在玩儿电子游戏A friend is a person who can let you feel warm when you are depressed. I have many friends.But XXX is my best friend.He is as old as me.He taller than me.Basketball is his favorite sport.We are in the same class.He is good at study.So his study is very good.We learn from each other and help each other.He will help me if i got in trouble.I will help he as much as I can. I hope our friendship will forever and ever. A friend is someone who can let you feel warm when you are depressed. I have many friends. However I only have one best friend and it's XXX. He is the same age as me. He is taller than me. Basketball is his favourite sport. We are in the same class. He likes studying and is good at it, so he gets high marks. We learn from each other and help each other. He will help me if I ever get into troubles. So will I. I hope our friendship will last forever and ever 翻译：朋友是当你在沮丧消沉的时候能给你温暖的人。因此我又很多朋友。XXX是我最好的朋友。他和我一样大却比我高。他最喜欢的运动是打篮球。我们是同班同学。他的学习很棒，因此他的成绩很好。我们相互学习相互帮助。我有困难的时候他会帮我，而他又困难我也会尽力帮他。我希望我们的友谊能天长地久。My Home Town My home town is a beautiful place. It stands beside a wide river and is rich in fish and rice. But in the old days it was a poor and backward little town. Many people had no work. They lived a hard life. In 1949 my hometown was liberated. Since then great changes have taken place there. The streets have been widened. Factories, schools, hospitals, cinemas and theatres have sprung up one after another. The life of the people is greatly improved. I love my hometown. All the more I love its people. They are working hard so as to make it still richer and more beautiful.====我的家乡 我的家乡是个美丽的地方，它座落在一条宽宽的小河旁边，富产鱼和大米。 但是在过去它是个又穷又偏僻的小镇。很多人没有工作，生活很难过。 1949年解放以来，我的家乡发生了很大的变化。道路拓宽了，工厂、学校、医院、电影院和歌剧院一个接一个建成。人们生活质量大大地提高了。 我爱我的家乡，更爱家乡的人们。他们辛勤工作保持着它的富有、美丽。Everyone has their own dreams, I am the same. But my dream is not a lawyer, not a doctor, not actors, not even an industry. Perhaps my dream big people will find it ridiculous, but this has been my pursuit! My dream is to want to have a folk life! I want it to become a beautiful painting, it is not only sharp colors, but also the colors are bleak, I do not rule out the painting is part of the black, but I will treasure these bleak colors! Not yet, how about, a colorful painting, if not bleak, add color, how can it more prominent American? Life is like painting, painting the bright red color represents life beautiful happy moments. Painting a bleak color represents life difficult, unpleasant time. You may find a flat with a beautiful road is not very good yet, but I do not think it will. If a person lives flat then what is the point? Life is only a short few decades, I want it to go Finally, Each memory is a solid.翻译：每个人都有自己的梦想，我也一样。但是我的梦想不是律师，不是医生，不是演员，甚至不是一种行业！我的梦想也许大人们会觉得可笑，但是，这是我一直追寻的！我的梦想是想要自己有一个七彩的人生！我要它成为一幅美丽的画，它不但要有鲜明的颜色，也要有暗淡的颜色，我不排除这幅画有一部分的黑色，我反而会很珍惜这些暗淡的颜色！不是吗，试问一下，一幅色彩鲜艳的画，如果不加一点暗淡的颜色，又怎能更突出它的美呢？人生就象画一样，画中鲜艳的颜色就代表着人生美丽快乐的时光。画中暗淡的颜色就代表着人生遭遇困难，不愉快的时候。也许你会觉得拥有一条平坦美丽的路不是很好吗，但我并不觉得。一个人如果一生平坦那有什么意思呢？人生只有短短几十年，我要他走到最后时，每一个回忆都事充实的！How to learn English wellLearning English just like learning any other language, is hard work so my first advice is to spend much time practicing using English every day. Besides, we should listen to the teacher and take notes carefully in class. Go over what is learnt regularly and finish doing our homework carefully. Listen to English radio programmes, read English stories and newspapers, watch English films and TV programmes ,keep a diary in English and attend English debbates and speech contests. If we make mistakes, correct them at once and try not to make the same mistakes. What's more, we should look up new words in the dictionary before class and prepare each lesson carefully before class. I believe if we work hard and have good ways of learning English, we will learn English well.学习英语就象学习其他语言一样是艰辛的。因此我的第一个建议是每天花多点时间练习使用英语。除此之外，我们应该上课认真听讲、记笔记。定期复习所学内容，认真做作业。听英语广播，读英语故事和报纸，看英语电影和电视节目，用英语写日记，参加英语讨论和演讲比赛。如果我们犯错误，就要立刻改正，尽力下次不要犯同样的错误。而且，我们在上课前要查字典，认真准备每节课。我相信如果我们努力学习、有好的学习方法，我们会学好英语的。OK, let me tell you something about my weekend. I am going to do many things and be very busy on the weekend. So I do my homework on Saturday morning. In the afternoon, I am going to do housework with my mother. Because I am a good girl, I am helpful at home. On Sunday morning, I am going to visit my grandparents with my parents. In the afternoon, we are going to the park together. Because there is a kite show. And my grandparents likes making kites. I think, we can see many beautiful kites there. And we are going to buy some beautiful kites, too. Then, we are going to fly the new kites, that’s fun. In the evening, we are going to have a big dinner. We are going to have fish for dinner. Because my grandparents likes eating fish. And my grandma cooks fish well. After dinner, we are going to watch TV together. We are going to be very happy. This is my happy weekend. I like my weekend very much. What about your weekend? Can you tell me?好吧,让我来告诉你有关我周末的一些事情.我在周末将会有很多事情要做并且会很忙.所以我要在周六早上写作业.下午,我要和妈妈一起做家务.因为我是一个好女孩,在家里很有用.周日早上,我要和父母一起去看望祖父母.下午，我们要一起去公园.因为那有个风筝秀.并且我的祖父母喜欢做风筝.我认为,我们会在那看到很多漂亮的风筝.我们的也要买一些漂亮的风筝.然后我们要一起去放新的风筝,那很有趣.晚上,我们会有一个盛大的晚餐.我们会在晚餐上吃鱼.因为我的祖父母喜欢吃鱼.并且我的外婆很会做鱼.晚饭后,我们要一起看电视.我们会非常高兴.这就是我快乐的周末.我非常喜欢我的周末.你的周末是怎样的?你能告诉我吗？
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