谈到储蓄，我们大多数人都做的不够好，现在必须来规划一下储蓄了。

　　Roughly half of Americans are saving 5% or less of their incomes, including 18% that are not saving anything, according to a survey from Bankrate. Only about a quarter of people are saving more than 10% of their earnings。

　　据Bankrate一份调查显示，大约有半数美国人的存款占不到收入的5%，其中，18%根本不存款。只有四分之一的人存款占收入的10%以上。

　　So how much should you be saving? Bankrate recommends 15%。

　　那么，到底多少存款才合适呢？Bankrate给出的建议是15%。

　　"Between emergency savings and the ever-increasing burden of retirement savings that is on the individual, the goal should be 15% of your income," said Greg McBride, the personal finance website’s chief financial analyst。

　　个人理财网站首席财务分析师格雷格·迈克布莱德认为：“存款储蓄要达到收入的15%，介于应急储蓄和负担不断加重的养老储蓄个人部分之间。”

　　Currently, one in seven people are saving more than 15%， the report showed。

　　报告显示，当前只有七分之一的人存款达到了收入的15%。

　　"For a lot of people, it won’t happen overnight. It’s going to take some time, but it’s doable, as the middle class is showing."

　　“对很多人来说，这不是一时能改变的，但需要一些时间就能够实现，因为中产阶层已经证明了这一点。”

　　Those in the middle class are proving to be the super savers with 35% of people with an annual income of $50,000-$74,999 saving more than 10% of their earnings。

　　事实证明，中产阶层才是存款的主要人群，年收入5万美元到7.5万美元的人，35%的存款占到收入的10%以上。

　　Of those taking home more than $75,000 a year, 32% were saving more than 10% of their income, according to McBride。

　　而收入超过7.5万美元的人，有32%的存款站收入的10%以上。迈克布莱德介绍道。

　　Saving more is easier said than done, which is why McBride suggests making it automatic by having a portion of each paycheck be directly deposited into a savings account and a retirement plan. "Saving needs to happen before you pick up your paycheck."

　　想增加存款储蓄，说起来容易做起来难。因此，迈克布莱德建议自动将薪水的一部分直接存入存款账户和养老金计划账户，“存款应该在你拿到薪水之前就储存下来。”

　　Bankrate’s Financial Security Index, which surveyed 1,000 adults in the U.S., also showed consumers are feeling better about their debt and financial situation compared to a year ago, which could actually be bad news for savings accounts。

　　通过对1000名美国成年人的调查，得出的Bankrate金融安全指数显示，相比于一年前，消费者对其债务和财务状况过于乐观，这对存款储蓄来说不是什么好事。

　　"People get frugal fatigue, as the economy improves I think a lot of people will fall back into familiar habits ... more spending, more debt, less savings."

　　“我发现，人们过够了节俭的生活，随着经济的好转，大部分人会重拾过去的坏习惯，过度消费，债务压身，花光积蓄。”