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波多野结衣露出作品-The Middle-Class Crunch: A Look at 4 Family Budgets





波多野结衣露出作品-Most Americans think of themselves as middle class. For many, the line between a stable life and a fragile one is thinning.

Illustrations by Paul Windle

波多野结衣露出作品-Examine the typical American family’s monthly budget, line by line, and a larger story emerges about how the middle class has evolved.

波多野结衣一二三级-What it means to be middle class hasn’t changed much — there’s a steady job, the ability to comfortably raise a family if you choose to, a home to call your own, an annual vacation. But what it takes to achieve all that has become more challenging.









波少野结衣-The costs of housing, health care and education are consuming ever larger shares of household budgets, and have risen faster than incomes. Today’s middle-class families are working longer, managing new kinds of stress and shouldering greater financial risks than previous generations did. They’re also making different kinds of tradeoffs.



色婷婷亚洲婷婷7月-Most people believe that they belong somewhere in the middle class, but its boundaries and markers are subject to interpretation.



波多野吉衣哪部露了-Based on income alone, about half of all adults in the United States fall in this category, according to a 2018 report from the Pew Research Center, a nonpartisan research group. It defined being middle class as having an annual household income from about two-thirds to double the national median, which translates to roughly $48,000 to $145,000 for a family of three (in 2018 dollars).

色婷婷亚洲婷婷7月-Four families, from Sheboygan, Wis., to San Francisco, gave us a glimpse at their monthly budgets. Their stories help illustrate how a middle-class existence has fundamentally shifted over a generation.



波多野结衣一二三级-‘Such High Levels of Stress’









波少野结衣-Lauren and Trevor Koch




  • 波多野结衣露出作品-Lauren is in retail sales, and Trevor is a chef. They

    波多野结衣一二三级-are 27 and 28, live in Sheboygan, Wis., are married

    色婷婷亚洲婷婷7月-and have a son and a daughter, who are 4 and 2.

    波多野吉衣哪部露了-$4,000



    波多野吉衣哪部露了-Monthly take-home pay





    波多野结衣露出作品-(on average, it varies)

    波多野结衣一二三级-Major monthly expenses

    波少野结衣-$600

    波多野吉衣哪部露了-Rent on two-bedroom house

    波多野吉衣哪部露了-Includes groceries,

    色婷婷亚洲婷婷7月-toiletries and

    波多野结衣一二三级-supplies for

    色婷婷亚洲婷婷7月-three cats.

    波多野吉衣哪部露了-800

    色婷婷亚洲婷婷7月-Groceries and dining out

    波少野结衣-550

    波多野结衣露出作品-Student loans



  • 波多野结衣露出作品-482

  • 波多野结衣一二三级-Transportation

    波多野结衣一二三级-They have two cars,

    波多野结衣一二三级-but one is paid off.





    波多野结衣一二三级-340

    波少野结衣-Credit card debt






































































    波少野结衣-212

                    波多野结衣一二三级-Utilities

                    波少野结衣-Other monthly expenses

                    波多野结衣一二三级-$100

                    波少野结衣-T-Mobile cellphone service

                    色婷婷亚洲婷婷7月-Lauren uses an app that rounds up change to put into savings, currently at $400.





                    色婷婷亚洲婷婷7月-63

                    波多野吉衣哪部露了-YMCA family membership

                        波多野结衣露出作品-60

                      • 波多野结衣露出作品-Diapers


                        波少野结衣-25

                      • 波少野结衣-Savings

                                波多野吉衣哪部露了-Children are covered by BadgerCare, a state-run program. Lauren and Trevor are uninsured.

                                色婷婷亚洲婷婷7月-0

                                波多野结衣一二三级-Health insurance









                                色婷婷亚洲婷婷7月-Total monthly expenses

                                波少野结衣-$3,232

                                色婷婷亚洲婷婷7月-About $768 less

                                色婷婷亚洲婷婷7月-than income.

                                波少野结衣-Lauren and Trevor Koch




                              1. 波多野结衣露出作品-Lauren is in retail sales, and Trevor is a chef. They

                                波多野结衣一二三级-are 27 and 28, live in Sheboygan, Wis., are married

                                色婷婷亚洲婷婷7月-and have a son and a daughter, who are 4 and 2.

                                波多野吉衣哪部露了-$4,000



                                波多野吉衣哪部露了-Monthly take-home pay





                                波多野结衣露出作品-(on average, it varies)

                                波多野结衣一二三级-Major monthly expenses

                                波少野结衣-$600

                                波多野吉衣哪部露了-Rent on two-bedroom house

                                波多野吉衣哪部露了-Includes groceries,

                                波多野吉衣哪部露了-toiletries and supplies

                                波多野结衣一二三级-for three cats.

                                波多野吉衣哪部露了-800

                                色婷婷亚洲婷婷7月-Groceries and dining out

                                波少野结衣-550

                                波多野结衣露出作品-Student loans



                              2. 波多野结衣露出作品-482

                              3. 波多野结衣一二三级-Transportation

                                波多野结衣一二三级-They have two cars,

                                波多野结衣一二三级-but one is paid off.





                                波多野结衣一二三级-340

                                波少野结衣-Credit card debt






































































                                波少野结衣-212

                                                波多野结衣一二三级-Utilities

                                                波少野结衣-Other monthly expenses

                                                波多野结衣一二三级-$100

                                                波少野结衣-T-Mobile cellphone service

                                                色婷婷亚洲婷婷7月-Lauren uses an app that rounds up change to put into savings, currently at $400.





                                                色婷婷亚洲婷婷7月-63

                                                波多野吉衣哪部露了-YMCA family membership

                                                    波多野结衣露出作品-60

                                                  • 波多野结衣露出作品-Diapers


                                                    波少野结衣-25

                                                  • 波少野结衣-Savings

                                                            波多野吉衣哪部露了-Children are covered by BadgerCare, a state-run program. Lauren and Trevor are uninsured.

                                                            色婷婷亚洲婷婷7月-0

                                                            波多野结衣一二三级-Health insurance









                                                            色婷婷亚洲婷婷7月-Total monthly expenses

                                                            波少野结衣-$3,232

                                                            色婷婷亚洲婷婷7月-About $768 less

                                                            色婷婷亚洲婷婷7月-than income.

                                                            波少野结衣-Lauren and Trevor Koch




                                                          1. 波少野结衣-Lauren is in retail sales, and Trevor is a chef. They are 27 and 28, live in



                                                            波少野结衣-Sheboygan, Wis., are married and have a son and a daughter, who are 4 and 2.









                                                                    波多野结衣一二三级-Monthly take-home pay:

                                                                    波多野结衣露出作品-$4,000

                                                                    波多野结衣露出作品-(on average, it varies)

                                                                    波多野吉衣哪部露了-Major monthly expenses

                                                                  1. 波多野吉衣哪部露了-Other monthly expenses

                                                                    波多野结衣露出作品-$600

                                                                      波多野结衣露出作品-$100

                                                                    • 波多野结衣一二三级-T-Mobile cellphone service

                                                                    • 色婷婷亚洲婷婷7月-Rent on a two-bedroom house



                                                                      波少野结衣-Includes groceries, toiletries




                                                                      波多野结衣露出作品-and supplies for three cats.

                                                                      色婷婷亚洲婷婷7月-800

                                                                      波多野吉衣哪部露了-63

                                                                      色婷婷亚洲婷婷7月-Groceries and dining out

                                                                      色婷婷亚洲婷婷7月-YMCA family membership

















                                                                      波多野吉衣哪部露了-Lauren uses an app that rounds

                                                                      波多野吉衣哪部露了-up change to put into savings,









                                                                      波多野吉衣哪部露了-currently at $400.

                                                                      波多野吉衣哪部露了-550

                                                                      波少野结衣-60


                                                                      波多野吉衣哪部露了-Student loans



                                                                      波多野结衣露出作品-Diapers

                                                                      波多野结衣露出作品-They have two cars,

                                                                      波多野结衣一二三级-but one is paid off.

                                                                      波多野结衣一二三级-482

                                                                          波多野结衣露出作品-25

                                                                          波多野结衣一二三级-Transportation

                                                                          波多野吉衣哪部露了-Savings

                                                                          波多野吉衣哪部露了-Children are covered by

















                                                                          波多野结衣露出作品-BadgerCare, a state-run program.

                                                                          波多野结衣一二三级-Lauren and Trevor are uninsured.

                                                                          波多野结衣露出作品-340

                                                                          波多野吉衣哪部露了-0



                                                                          波多野结衣露出作品-Credit card debt

                                                                          波多野吉衣哪部露了-Health insurance

                                                                          波少野结衣-212

                                                                          波多野结衣露出作品-Utilities

                                                                          波多野结衣露出作品-Total monthly expenses:

                                                                          波多野结衣一二三级-$3,232

































                                                                          波多野结衣露出作品-About $768 less



                                                                          波多野结衣一二三级-than income.



                                                                          波少野结衣-Lauren and Trevor Koch




                                                                        • 波多野结衣露出作品-Lauren is in retail sales, and Trevor is a chef. They are 27 and 28, live in Sheboygan, Wis., are married and have a son and a daughter, who are 4 and 2.

                                                                          波多野吉衣哪部露了-$4,000



                                                                          波多野吉衣哪部露了-Monthly take-home pay





                                                                          波多野结衣露出作品-(on average, it varies)

                                                                          波多野结衣一二三级-Major monthly expenses

                                                                          波少野结衣-$600

                                                                          波多野吉衣哪部露了-Rent on two-bedroom

                                                                                                          波多野结衣一二三级-house

                                                                                                          Includes groceries,

                                                                                                          toiletries and

                                                                                                          supplies for

                                                                                                          three cats.

                                                                                                          波多野吉衣哪部露了-800

                                                                                                          色婷婷亚洲婷婷7月-Groceries and dining out

                                                                                                          波少野结衣-550

                                                                                                          波多野吉衣哪部露了-Student loans



                                                                                                          波多野结衣露出作品-482

                                                                                                        1. 波多野结衣一二三级-Transportation

                                                                                                          They have two cars, but one is paid off.

                                                                                                          波多野结衣一二三级-340

                                                                                                          波多野结衣露出作品-Credit card debt

                                                                                                          波少野结衣-212

                                                                                                                          波多野结衣露出作品-Utilities

                                                                                                                          波少野结衣-Other monthly expenses

                                                                                                                          波多野结衣一二三级-$100

                                                                                                                          波多野吉衣哪部露了-T-Mobile cellphone

                                                                                                                          波多野结衣一二三级-service



                                                                                                                          Lauren uses an app that rounds up change to put into savings, currently at $400.

                                                                                                                          色婷婷亚洲婷婷7月-63

                                                                                                                          色婷婷亚洲婷婷7月-YMCA family membership

















                                                                                                                          波多野结衣露出作品-60

                                                                                                                        • 波多野结衣露出作品-Diapers

                                                                                                                          波少野结衣-25

                                                                                                                        • 波多野吉衣哪部露了-Savings

                                                                                                                          色婷婷亚洲婷婷7月-0

                                                                                                                          波多野吉衣哪部露了-Health insurance

                                                                                                                          Children are covered by BadgerCare, a state-run program. Lauren and Trevor are uninsured.

                                                                                                                          色婷婷亚洲婷婷7月-Total monthly expenses

                                                                                                                          波少野结衣-$3,232

                                                                                                                          波少野结衣-About $768

                                                                                                                                                          波少野结衣-less than income.


                                                                                                                                                          波多野结衣一二三级-For Lauren and Trevor Koch of Sheboygan, making their finances work on one salary was a struggle. Mr. Koch, a chef earning $51,000, often worked 50 hours or more a week. Ms. Koch decided to give up her job as a restaurant server after the couple had the first of their two children. Given the high cost of child care, she felt her time was better spent at home.

                                                                                                                                                        1. 色婷婷亚洲婷婷7月-Life got trickier when Mr. Koch lost his job as a chef at the end of February. Now he cares for the children in the morning, while Ms. Koch works part time at a shop that sells CBD, or cannabidiol, products. When she gets home at 1 p.m., he leaves for his job as a line cook, where he is paid hourly and works until 11 p.m. Neither of them receives paid time off or health insurance.

                                                                                                                                                          波多野结衣一二三级-“We have such high levels of stress from juggling our schedules,” Ms. Koch said. Collectively, they earn slightly more than before, she said, but it’s unclear if their hours will dwindle during the winter months.

                                                                                                                                                        2. 色婷婷亚洲婷婷7月-As family incomes have become more volatile, academic experts said, the trend has contributed to greater feelings of financial insecurity. For many people who experience a drop in income, whatever the reason, the declines tend to be greater than in the past, according to an analysis by Jacob Hacker, the director of Yale University’s Institution for Social and Policy Studies.





                                                                                                                                                        3. 色婷婷亚洲婷婷7月-The share of Americans who experience income loss tends to rise and fall with the economy. But the share of Americans experiencing larger losses has increased.

                                                                                                                                                          波少野结衣-Chances of a Sharp Drop in Income

                                                                                                                                                          波少野结衣-8

                                                                                                                                                          波多野结衣一二三级-%

                                                                                                                                                          色婷婷亚洲婷婷7月-Trend

                                                                                                                                                          波多野吉衣哪部露了-line

                                                                                                                                                          波多野吉衣哪部露了-6





                                                                                                                                                          波多野结衣一二三级-6.1%

                                                                                                                                                          波多野吉衣哪部露了-4

                                                                                                                                                          波多野结衣一二三级-RECESSIONS

                                                                                                                                                        4. 波多野结衣一二三级-2

                                                                                                                                                          波多野结衣露出作品-Share of working-age Americans

                                                                                                                                                        5. 波多野结衣露出作品-experiencing 50 percent or greater drops

                                                                                                                                                          波多野结衣一二三级-in family income over two-year periods.

                                                                                                                                                          波多野吉衣哪部露了-0