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虽然有钱任性是年轻一代（本文指千禧一代）的特权，但有些东西却被他们拉入“黑名单”，快来看看都有哪些东西“榜上有名”吧！
第一、电视
对于大部分美国人而言，多媒体消费71%的收益额来自于电视。但是，在14-24岁的年轻群体中，电视消费的占比仅为46%。在娱乐方面，年轻一代更倾向于使用笔记本电脑、智能手机、平板电脑等方式。另有调查数据显示，24%的年轻人表示不会订阅付费电视节目，有些甚至完全不看电视。此外，在无电视家庭的群体中，35岁以下成年人的比例占到了一半。
第二、固话
实际上，大部分年轻人对家庭固话不感兴趣。据相关调查研究表明，三分之二的年轻人已习惯于无线生活。美国有41%的家庭没有安装固话，年轻一代在这方面的占比较高。另外，调查还发现，租房和固话之间存在一定关联性，即租房地点越偏远，对固话的需求就越高。
虽然有钱任性是年轻一代（本文指千禧一代）的特权，但有些东西却被他们拉入“黑名单”，快来看看都有哪些东西“榜上有名”吧！
第一、电视
对于大部分美国人而言，多媒体消费71%的收益额来自于电视。但是，在14-24岁的年轻群体中，电视消费的占比仅为46%。在娱乐方面，年轻一代更倾向于使用笔记本电脑、智能手机、平板电脑等方式。另有调查数据显示，24%的年轻人表示不会订阅付费电视节目，有些甚至完全不看电视。此外，在无电视家庭的群体中，35岁以下成年人的比例占到了一半。
第二、固话
实际上，大部分年轻人对家庭固话不感兴趣。据相关调查研究表明，三分之二的年轻人已习惯于无线生活。美国有41%的家庭没有安装固话，年轻一代在这方面的占比较高。另外，调查还发现，租房和固话之间存在一定关联性，即租房地点越偏远，对固话的需求就越高。
第三、奢侈品
据2013年数据统计，年轻一代对奢侈品、手提包、外出就餐以及应用APP的需求降低。较之以上各项消费，年轻一代表示其更愿意在水果、蔬菜、有机食品、天然产品、环保友好物品和新鲜禽肉类等领域增加消费。
第四、大众啤酒
在年轻一代中，米勒（Miller）和康盛（Coors）等大众啤酒的受众度降低，而精酿啤酒成为新宠。相关研究表明，有43%的年轻一代认为，精酿啤酒的口感好于大众啤酒。全美国大约有35%的民众消费精酿啤酒，其中年轻一代的占比为50%。
第五、房屋
年轻一代表示其想拥有自己的家，但是却没有能力购买。根据2006年到2011年的调查数据显示，35岁以下成年人的房屋拥有率已降为12%，其中和父母同住的年轻人数量约为200万。此外，在许多都市圈，年轻人根本无力支付房贷或首付。
第六、婚礼
日常生活中，美国人的结婚年龄越来越晚。皮尤研究中心调查发现，在18-32岁之间结婚的年轻一代占比为26%。调查过程中，很多年轻人表示，结婚的意愿是有的，但目前的经济条件还未达到，时机尚未成熟。很多年轻一代不仅推迟了结婚时间，而且婚礼花销和之前也大有不同。
第七、投资
据对30岁以下的成年人进行调查，只有 26%的人表示会投资股票，过半数的人解释不炒股的原因是缺乏资金。除资金不足外，年轻人拒绝投资的另一常见原因为：对股市了解较少、金钱观念比较保守。
第八、车
较之以往，拥有驾照的年轻人数量已大幅降低。诚然，购买力是年轻一代遇到的一个问题。经对21-34岁的群体调查发现，1989年和2010年拥有新车的年轻人占比分别为38%和27%，出现明显下降。
第九、医疗保险
在平价医疗法案颁布前，美国18-34岁的成年人群体中，有40%的人未购买保险。当然，年轻人的身体状况要好一些，这也是其不愿购买医疗保险的原因之一。现如今，年轻一代也在陆续开展医疗保险购买计划，但进展较为缓慢。
第十、孩子
既然年轻人推迟了结婚和购房时间，那么生育计划的推迟也是自然而然的事情。据统计，20岁左右生育的年轻女性人数已创历史新低。此外，选择在30-40岁之间生育的女性人数增加。相关数据显示，很多年代一代表示压根不想要孩子。但是，其他人表示，不要孩子的原因仅出于经济上的考虑。一旦经济条件允许，他们会考虑迎接宝宝的到来。
原文：
Things Millennials Aren’t Spending Money On
The youngest generations are known for being instrumental in transforming the trends of the day. Everything from fashion to technology can hinge on the approval of young consumers, so businesses take them quite seriously.According to Time Magazine,millennials will have more buying power than any other generation by 2017. Thus, their choices about how to spend their money already have a tremendous impact on products, prices, policies, and business strategies. These consumers were raised in an era ofextreme student loan debtandeconomic recession,so in some respects, many of them have learned to be more conservative with their money. It’s interesting to examine what millennials are actually willing to shell out the big bucks for, but it’s the products and services they won’t buy that can be the most revealing — and the most influential.
Here are 10 things millennials aren’t spending their money on.
1. Paid TV
For the average American, 71% of media consumption is still happening via TV sets, but for people age 14 to 24, that figuredrops to 46%. These young millennials spend more of their entertainment time on laptops, smartphones, tablets, and gaming systems. ComScore reported24% of millennialsdon’t subscribe to paid TV,and some are giving up TV altogether. According to a Nielsen study, adults under age 35 make upalmost half of zero-TV households.
2. LandLines
Home phones are one of themany technologiesmost millennials are just not interested in.A study conducted by the Centers for Disease Control and Prevention foundtwo-thirds of millennialslive in a wireless-only house. This is a higher portion compared to the U.S. adult population overall, with approximately 41% of households nationwide lacking a home phone. The survey also found a correlation between renting and going landline-free. For those who live in remote areas, a landline phone is a necessity, but when given the choice, young people just don’t see the value.
3. Luxuries
In a2013 surveyfrom the Boston Consulting Group, millennials expected to decrease their spending on luxury goods, handbags, and restaurant spending, as well as soda and mobile apps.Among the products respondents said they would spend more money in the subsequent 12 months were fruits and vegetables, organic food, natural products, environmentally-friendly cleaning items, and fresh meat. It would seem this young generation is prioritizing health and sustainability over indulgences and status symbols.
4. Mass-market beer
Cheap mass-market brews like Miller and Coors are falling out of favor with young consumers, who increasingly prefer craft beer. According to one study,43% of millennialssay craft beer tastes better than mainstream beers, while only 32% of baby boomers agree. About 50% of millennials have tried craft brews, versus 35% of the overall population.Millennials likely also see the value insupporting their local economies.
5. Homes
Millennials say they want to own homes, but they just don’t have the money. Harvard’s Joint Center for Housing Studies found that the home ownership rate among adults under age 35fell by 12% between 2006 and 2011,with 2 million more living with their parents. Inmany metropolitan areas, millennials simply can’t afford the cost of a mortgage or a down payment.As more unemployed people find jobs, they are moving out of Mom and Dad’s house andchoosing to rentdespite the unfavorable market.
6. Weddings
Americans are getting married later and later in life.Pew Research found65% of the Silent Generation married between age 18 and 32. For boomers, 48% were married in that age range, compared to 35% in Gen X. Millennials? Just 26%. Many of them told Pew they still want to get married, but they are waiting until they are financially stable. Many of these millennials are simply postponing marriage, but thethe amount ofmoney spent on weddingsmay never return to traditional figures.
7. Investments
Among adults under age 30, only 26% said they invested in stocks, according to aBankrate survey.Over half of respondents said their primary reason for opting out was a lack of money. Millennials also distrust Wall Street and financial advisers, which is far from surprising since they were hit hard by the financial crisis. Other commonreasons this generation resists investingare a lack of knowledge about the stock marketand the desire to use their money conservatively.
8. Cars
The number of young people with a driver’s license hasfallen significantly, andagain, affordability is an issue for millennials. According to the Atlantic,adults age 21 to 34 bought just27% of all new vehiclessold in America in 2010, down from the peak of 38% in 1985. However, J.D. Power & Associates claims these consumers arebuying more todaythan they were in 2010, which suggests new car sales could be on an upswing for this demographic.
9. Health insurance
According to the Kaiser Family Foundation,adults ages 18 to 34 made up40% of the uninsured populationbefore the Affordable Care Act came into practice. Young people tend to be healthier, so they may prefer to go without insurance to cut costs. Before the government’s insurance exchanges opened up, many were uninsured because they lacked employed-sponsored coverage. Today, more millennials are slowly buying insurance plans. A lot of the initial enrollees were 18- to 34-year-olds, but not as many as the Congressional Budget Office hoped for in order to subsidize older Americans’ plans.
10. Children
Since millennials are putting off marriage and home-buying, it’s not surprising that they are also delaying starting families. Women having children in their late teens and 20s recentlyhit record lows. At the same time, birth rates have increased among 30- to 40-year-olds.Just 42% of millennials said they planned to have children in a2012 study,a figure that has fallen from 78% 20 years ago. Some millennials don’t want to have children at all, but others are simply wary of serious financial commitments and want to ensure they are prepared.（原文出处：cheatsheet 网站）
栏目介绍：“洋视角”是理财频道新开设的一个栏目，栏目会定期从国外投资理财网站择优挑选一些优秀的投资理财方面的观点文章进行提炼和编译。帮助国内投资者了解到国外投资者最新的动向和观点，以期对国内投资者的投资理财有借鉴意义。
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