{"id":97954,"date":"2026-01-28T00:20:03","date_gmt":"2026-01-27T23:20:03","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=97954"},"modified":"2026-01-27T13:33:40","modified_gmt":"2026-01-27T12:33:40","slug":"michael-snyder-92-procent-zamestnanych-americanu-snizilo-sve-vydaje-zatimco-zivotni-uroven-v-usa-se-hrouti","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/01\/28\/michael-snyder-92-procent-zamestnanych-americanu-snizilo-sve-vydaje-zatimco-zivotni-uroven-v-usa-se-hrouti\/","title":{"rendered":"Michael Snyder: 92 procent zam\u011bstnan\u00fdch Ameri\u010dan\u016f sn\u00ed\u017eilo sv\u00e9 v\u00fddaje, zat\u00edmco \u017eivotn\u00ed \u00farove\u0148 v USA se hrout\u00ed"},"content":{"rendered":"
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Titulek tohoto \u010dl\u00e1nku nen\u00ed p\u0159eklep. D\u016fvod, pro\u010d se \u201ecenov\u00e1 dostupnost\u201c stala pro americk\u00e9 voli\u010de hlavn\u00edm t\u00e9matem, je ten, \u017ee drtiv\u00e1 v\u011bt\u0161ina populace je drcena rostouc\u00edmi \u017eivotn\u00edmi n\u00e1klady. Sta\u010d\u00ed se pod\u00edvat, kolik dnes plat\u00edte za elekt\u0159inu ve srovn\u00e1n\u00ed s p\u011bti lety. A pod\u00edvejte se, kolik dnes plat\u00edte za potraviny ve srovn\u00e1n\u00ed s p\u011bti lety. N\u00e1klady na bydlen\u00ed vyst\u0159elily do absurdn\u00edch v\u00fd\u0161in, dan\u011b z nemovitost\u00ed se v mnoha \u010d\u00e1stech zem\u011b naprosto zbl\u00e1znily a pojistn\u00e9 na zdravotn\u00ed poji\u0161t\u011bn\u00ed se pro miliony Ameri\u010dan\u016f v\u00edce ne\u017e zdvojn\u00e1sobilo. Nen\u00ed n\u00e1hoda, \u017ee si tolik lid\u00ed v dne\u0161n\u00ed dob\u011b ho\u0159ce st\u011b\u017euje na \u017eivotn\u00ed n\u00e1klady. Pravdou je, \u017ee v\u011bt\u0161ina zem\u011b za\u017e\u00edv\u00e1 velmi t\u011b\u017ekou situaci.<\/span><\/p>\n

Samoz\u0159ejm\u011b to nen\u00ed n\u00e1hoda. Od doby, kdy se Barack Obama v lednu 2009 poprv\u00e9 nast\u011bhoval do B\u00edl\u00e9ho domu, si na\u0161i politici p\u016fj\u010dili a utratili 28 bilion\u016f dolar\u016f, kter\u00e9 jsme nem\u011bli, a j\u00e1 jsem varoval, \u017ee v\u0161echny tyto pen\u00edze vyvolaj\u00ed nekontrolovatelnou inflaci.<\/span><\/p>\n

Nav\u00edc od roku 2008 Feder\u00e1ln\u00ed rezervn\u00ed syst\u00e9m napumpoval do finan\u010dn\u00edho syst\u00e9mu biliony dolar\u016f, vytvo\u0159en\u00fdch z ni\u010deho nic. To pomohlo akciov\u00e9mu trhu dos\u00e1hnout rekordn\u00edch maxim, ale bylo to tak\u00e9 jedn\u00edm z faktor\u016f, kter\u00e9 zp\u016fsobily, \u017ee \u017eivotn\u00ed n\u00e1klady jsou pro n\u00e1s ostatn\u00ed nesnesiteln\u00e9.<\/span><\/p>\n

Velmi po\u0161etil\u00e1 rozhodnut\u00ed na\u0161ich v\u016fdc\u016f m\u011bla dramatick\u00e9 d\u016fsledky.<\/span><\/p>\n

Na\u0161e \u017eivotn\u00ed \u00farove\u0148 se n\u00e1m hrout\u00ed p\u0159\u00edmo p\u0159ed o\u010dima a nyn\u00ed zbrusu nov\u00e1 zpr\u00e1va uv\u00e1d\u00ed, \u017ee 92 procent zam\u011bstnan\u00fdch Ameri\u010dan\u016f bylo nuceno sn\u00ed\u017eit sv\u00e9 v\u00fddaje\u2026<\/span><\/p>\n

Pro miliony Ameri\u010dan\u016f znamen\u00e1 udr\u017een\u00ed se finan\u010dn\u00edch prost\u0159edk\u016f nyn\u00ed d\u011blat t\u011b\u017ek\u00e1 rozhodnut\u00ed. Vzhledem k tomu, \u017ee ceny zbo\u017e\u00ed denn\u00ed pot\u0159eby nad\u00e1le rostou rychleji ne\u017e mzdy, nov\u00e1 data ukazuj\u00ed, \u017ee pracuj\u00edc\u00ed \u0161et\u0159\u00ed, kdekoli mohou \u2013 \u010dasto na \u00fakor \u00faspor, celkov\u00e9ho finan\u010dn\u00edho zabezpe\u010den\u00ed a dokonce i z\u00e1kladn\u00edch pot\u0159eb.<\/span><\/em><\/p>\n

Takov\u00fd je obr\u00e1zek, kter\u00fd vypl\u00fdv\u00e1 ze zpr\u00e1vy Resume Now o \u017eivotn\u00edch n\u00e1kladech z roku 2026, celost\u00e1tn\u00edho pr\u016fzkumu mezi 1 011 zam\u011bstnan\u00fdmi Ameri\u010dany, kter\u00fd zjistil, \u017ee pouze 17 procent Ameri\u010dan\u016f se c\u00edt\u00ed dostate\u010dn\u011b finan\u010dn\u011b zaji\u0161t\u011bno, aby pokrylo z\u00e1kladn\u00ed pot\u0159eby a u\u0161et\u0159ilo pen\u00edze. T\u00e9m\u011b\u0159 dv\u011b t\u0159etiny respondent\u016f uvedly jako svou nejv\u011bt\u0161\u00ed finan\u010dn\u00ed z\u00e1t\u011b\u017e ka\u017edodenn\u00ed nezbytnosti. Nav\u00edc pozoruhodn\u00fdch 92 procent uvedlo, \u017ee omezili v\u00fddaje \u2013 a to i na v\u011bci, kter\u00e9 mnoz\u00ed d\u0159\u00edve pova\u017eovali za nevyjednateln\u00e9.<\/span><\/em><\/p>\n

Upozor\u0148ujeme, \u017ee dotazov\u00e1n\u00ed ohledn\u011b \u017eivotn\u00edch n\u00e1klad\u016f bylo provedeno pouze mezi \u201ezam\u011bstnan\u00fdmi Ameri\u010dany\u201c.<\/span><\/p>\n

V\u00edce ne\u017e 100 milion\u016f dosp\u011bl\u00fdch Ameri\u010dan\u016f v\u016fbec nepracuje.<\/span><\/p>\n

Pro ty, kte\u0159\u00ed mou pr\u00e1ci pravideln\u011b nesleduj\u00ed: Ano, to je p\u0159esn\u00e9 \u010d\u00edslo. Velk\u00e1 v\u011bt\u0161ina nezam\u011bstnan\u00fdch dosp\u011bl\u00fdch Ameri\u010dan\u016f je feder\u00e1ln\u00ed vl\u00e1dou klasifikov\u00e1na jako \u201emimo pracovn\u00ed s\u00edlu\u201c.<\/span><\/p>\n

Dal\u0161\u00ed pr\u016fzkum, proveden\u00fd na konci prosince, zjistil, \u017ee 70 procent Ameri\u010dan\u016f pova\u017euje \u017eivotn\u00ed n\u00e1klady v m\u00edst\u011b, kde \u017eij\u00ed, za \u201enep\u0159\u00edli\u0161 dostupn\u00e9\u201c nebo \u201ev\u016fbec nedostupn\u00e9\u201c…<\/span><\/p>\n

Ameri\u010dt\u00ed spot\u0159ebitel\u00e9 nejsou s ekonomikou ani se svou vlastn\u00ed finan\u010dn\u00ed situac\u00ed nijak zvl\u00e1\u0161\u0165 spokojeni; term\u00edn \u201ekrize dostupnosti\u201c dominoval titulk\u016fm novin a politick\u00fdm kampan\u00edm v posledn\u00edch n\u011bkolika m\u011bs\u00edc\u00edch.<\/span><\/em><\/p>\n

V\u011bt\u0161ina \u2013 70 % \u2013 Ameri\u010dan\u016f, kte\u0159\u00ed se v prosinci z\u00fa\u010dastnili pr\u016fzkumu organizace Marist mezi v\u00edce ne\u017e 1400 dosp\u011bl\u00fdmi, uvedla, \u017ee \u017eivotn\u00ed n\u00e1klady v jejich regionu nejsou pro pr\u016fm\u011brnou rodinu p\u0159\u00edli\u0161 dostupn\u00e9 nebo v\u016fbec nedostupn\u00e9.<\/span><\/em><\/p>\n

To je v\u00fdsledek desetilet\u00ed neuv\u011b\u0159iteln\u011b \u0161patn\u00e9 hospod\u00e1\u0159sk\u00e9 politiky.<\/span><\/p>\n

Kupn\u00ed s\u00edla na\u0161ich pen\u011bz neust\u00e1le kles\u00e1 a nyn\u00ed 65 procent zam\u011bstnan\u00fdch Ameri\u010dan\u016f m\u00e1 probl\u00e9m dovolit si i z\u00e1kladn\u00ed ka\u017edodenn\u00ed pot\u0159eby\u2026<\/span><\/p>\n

\u0160edes\u00e1t p\u011bt procent dot\u00e1zan\u00fdch uvedlo, \u017ee mo\u017enost si dovolit z\u00e1kladn\u00ed ka\u017edodenn\u00ed pot\u0159eby byla v\u00fdznamn\u00fdm faktorem jejich finan\u010dn\u00ed z\u00e1t\u011b\u017ee.<\/span><\/em><\/p>\n

Jared Kessler, zakladatel forexov\u00e9ho brokera, uvedl, \u017ee koncentrace stresu kolem z\u00e1kladn\u00edch pot\u0159eb je kl\u00ed\u010dov\u00fdm ukazatelem toho, \u017ee probl\u00e9m sah\u00e1 hloub\u011bji ne\u017e jen kr\u00e1tkodob\u00fd finan\u010dn\u00ed \u0161ok. \u201eNa z\u00e1klad\u011b t\u011bchto dat je jasn\u00e9, \u017ee za\u017e\u00edv\u00e1me skute\u010dnou krizi \u017eivotn\u00edch n\u00e1klad\u016f, a nikoli jen okam\u017eitou infla\u010dn\u00ed reakci na pandemii COVID-19,\u201c \u0159ekl pro Newsweek.<\/span><\/em><\/p>\n

P\u0159e\u010dt\u011bte si znovu posledn\u00ed v\u011btu, proto\u017ee je tak pravdiv\u00e1.<\/span><\/p>\n

Jsme uprost\u0159ed d\u011bsiv\u00e9 krize \u017eivotn\u00edch n\u00e1klad\u016f, kter\u00e1, jak se zd\u00e1, nikdy neskon\u010d\u00ed.<\/span><\/p>\n

V t\u00e9to f\u00e1zi by 60 procent zam\u011bstnan\u00fdch Ameri\u010dan\u016f mohlo \u201epokr\u00fdt v\u00fddaje pouze na t\u0159i m\u011bs\u00edce nebo m\u00e9n\u011b, pokud by p\u0159i\u0161li o pr\u00e1ci\u201c\u2026<\/span><\/p>\n

\u0160edes\u00e1t procent dot\u00e1zan\u00fdch uvedlo, \u017ee by v p\u0159\u00edpad\u011b ztr\u00e1ty zam\u011bstn\u00e1n\u00ed mohli pokr\u00fdt v\u00fddaje pouze na t\u0159i m\u011bs\u00edce nebo m\u00e9n\u011b, co\u017e ponech\u00e1v\u00e1 jen mal\u00fd prostor pro chyby v p\u0159\u00edpad\u011b propu\u0161t\u011bn\u00ed, nemoci nebo jin\u00fdch ud\u00e1lost\u00ed, kter\u00e9 by mohly ovlivnit jejich finance. Mnoz\u00ed dost\u00e1vaj\u00ed i \u0161krty v b\u011b\u017en\u00fdch v\u00fddaj\u00edch.<\/span><\/em><\/p>\n

V\u011bt\u0161ina zem\u011b \u017eije na sam\u00e9 hranici.<\/span><\/p>\n

To nikdo nem\u016f\u017ee pop\u0159\u00edt.<\/span><\/p>\n

A spot\u0159ebitelsk\u00e1 n\u00e1lada se v roce 2025 rychle vyv\u00edjela \u0161patn\u00fdm sm\u011brem\u2026<\/span><\/p>\n

Mezi lednem a listopadem lo\u0148sk\u00e9ho roku klesla spot\u0159ebitelsk\u00e1 n\u00e1lada mezi spodn\u00ed a st\u0159edn\u00ed t\u0159etinou americk\u00fdch dom\u00e1cnost\u00ed s p\u0159\u00edjmy o 29,8 %, respektive 27,6 %, zat\u00edmco horn\u00ed t\u0159etina p\u0159\u00edjemc\u016f zaznamenala je\u0161t\u011b prud\u0161\u00ed pokles o 32,1 %.<\/span><\/em><\/p>\n

Na\u0161i politici ve Washingtonu si nem\u011bli po cel\u00e9 ty roky p\u016fj\u010dovat a utr\u00e1cet tolik pen\u011bz.<\/span><\/p>\n

Ale dok\u00e1zali to.<\/span><\/p>\n

A nikdy jsme si nem\u011bli dovolit zadlu\u017eit se ve v\u00fd\u0161i 38,4 bilionu dolar\u016f.<\/span><\/p>\n

Ale dok\u00e1zali jsme to.<\/span><\/p>\n

Mnoz\u00ed z n\u00e1s si l\u00e9ta st\u011b\u017euj\u00ed na \u0161patn\u00e1 rozhodnut\u00ed, kter\u00e1 byla u\u010din\u011bna.<\/span><\/p>\n

Ale v\u011bt\u0161ina populace neposlouchala.<\/span><\/p>\n

Bohu\u017eel, jak jsem poznamenal v p\u0159edchoz\u00edm \u010dl\u00e1nku, jsme nyn\u00ed dos\u00e1hli bodu, kdy se \u201ecenov\u00e1 dostupnost\u201c stala pro americk\u00e9 voli\u010de ot\u00e1zkou \u010d\u00edslo jedna\u2026<\/span><\/p>\n

Pr\u016fzkum Michigansk\u00e9 univerzity zve\u0159ejn\u011bn\u00fd v prosinci ukazuje, \u017ee vysok\u00e9 ceny z\u016fst\u00e1vaj\u00ed pro spot\u0159ebitele i nad\u00e1le probl\u00e9mem. P\u0159ibli\u017en\u011b 46 % respondent\u016f vin\u00ed vysok\u00e9 ceny ze \u0161patn\u00fdch osobn\u00edch financ\u00ed \u2013 co\u017e je jedno z nejvy\u0161\u0161\u00edch procent od za\u010d\u00e1tku prov\u00e1d\u011bn\u00ed pr\u016fzkumu na konci 70. let 20. stolet\u00ed.<\/span><\/em><\/p>\n

Hodnocen\u00ed sou\u010dasn\u00e9 finan\u010dn\u00ed situace spot\u0159ebiteli se v prosinci \u201ezhroutilo\u201c a poprv\u00e9 od \u010dervence 2022, m\u011bs\u00edce n\u00e1sleduj\u00edc\u00edho po vrcholu cenov\u00fdch n\u00e1r\u016fst\u016f souvisej\u00edc\u00edch s inflac\u00ed b\u011bhem pandemie, se dostalo do z\u00e1porn\u00e9ho teritoria. Vypl\u00fdv\u00e1 to z pr\u016fzkumu zve\u0159ejn\u011bn\u00e9ho v \u00fater\u00fd organizac\u00ed Conference Board.<\/span><\/em><\/p>\n

Celkov\u011b 65 % americk\u00fdch dom\u00e1cnost\u00ed uv\u00e1d\u00ed, \u017ee se \u017eivotn\u00ed n\u00e1klady v uplynul\u00e9m roce zhor\u0161ily nebo v\u00fdrazn\u011b zhor\u0161ily, jak vypl\u00fdv\u00e1 z ned\u00e1vn\u00e9ho pr\u016fzkumu Politico.<\/span><\/em><\/p>\n

P\u0159edchoz\u00ed generace n\u00e1m p\u0159edaly kl\u00ed\u010de k nejv\u011bt\u0161\u00edmu ekonomick\u00e9mu stroji, jak\u00fd kdy sv\u011bt vid\u011bl.<\/span><\/p>\n

A vy\u0161li jsme ven a narazili jsme je do zdi.<\/span><\/p>\n

P\u0159ed pades\u00e1ti lety byla americk\u00e1 ekonomika tak dominantn\u00ed, \u017ee k jej\u00edmu zhroucen\u00ed by byla zapot\u0159eb\u00ed epick\u00e9 hlouposti.<\/span><\/p>\n

Ale n\u011bjak jsme to zvl\u00e1dli.<\/span><\/p>\n

P\u0159esto\u017ee se na\u0161e \u017eivotn\u00ed \u00farove\u0148 v\u0161ude kolem n\u00e1s hrout\u00ed, v\u011bt\u0161ina Ameri\u010dan\u016f nad\u00e1le tvrd\u011b pracuje a \u201ev podstat\u011b se to sna\u017e\u00ed p\u0159e\u010dkat\u201c\u2026<\/span><\/p>\n

\u201eVid\u00edme, \u017ee infla\u010dn\u00ed tlaky p\u0159etrv\u00e1vaj\u00ed v cel\u00e9m syst\u00e9mu, zejm\u00e9na v maloobchodn\u00edm prost\u0159ed\u00ed, a spot\u0159ebitel\u00e9 n\u00e1m prost\u0159ednictv\u00edm na\u0161eho v\u00fdzkumu \u0159\u00edkaj\u00ed, \u017ee se v podstat\u011b sna\u017e\u00ed p\u0159e\u010dkat,\u201c \u0159\u00edk\u00e1 Will Auchincloss, vedouc\u00ed maloobchodn\u00edho sektoru v Americe ve spole\u010dnosti EY-Parthenon. \u201eSna\u017e\u00ed se koupit to, co si v\u017edycky kupovali nebo cht\u011bli koupit \u2013 ale tv\u00e1\u0159\u00ed v tv\u00e1\u0159 vy\u0161\u0161\u00edm cen\u00e1m.\u201c<\/span><\/em><\/p>\n

V\u011bt\u0161ina z n\u00e1s chce \u017e\u00edt d\u00e1l jako d\u0159\u00edv, ale prost\u011b na to nem\u00e1me dost pen\u011bz.<\/span><\/p>\n

V d\u016fsledku toho americk\u00e9 dom\u00e1cnosti hromad\u00ed obrovsk\u00e9 mno\u017estv\u00ed dluh\u016f.<\/span><\/p>\n

Ve skute\u010dnosti dluh americk\u00fdch dom\u00e1cnost\u00ed ned\u00e1vno dos\u00e1hl nov\u00e9ho rekordn\u00edho maxima 18,59 bilionu dolar\u016f\u2026<\/span><\/p>\n

\u00darove\u0148 zadlu\u017een\u00ed americk\u00fdch dom\u00e1cnost\u00ed \u2013 v\u010detn\u011b hypot\u00e9k, autop\u016fj\u010dek, kreditn\u00edch karet a studentsk\u00fdch p\u016fj\u010dek \u2013 dos\u00e1hla nov\u00e9ho rekordn\u00edho maxima, jak vypl\u00fdv\u00e1 z \u00fadaj\u016f zve\u0159ejn\u011bn\u00fdch ve st\u0159edu Feder\u00e1ln\u00edm rezervn\u00edm syst\u00e9mem New Yorku.<\/span><\/em><\/p>\n

Celkov\u00fd dluh dom\u00e1cnost\u00ed dos\u00e1hl od \u010dervence do z\u00e1\u0159\u00ed leto\u0161n\u00edho roku 18,59 bilionu dolar\u016f, co\u017e p\u0159edstavuje n\u00e1r\u016fst o 197 miliard dolar\u016f oproti p\u0159edchoz\u00edmu \u010dtvrtlet\u00ed.<\/span><\/em><\/p>\n

Feder\u00e1ln\u00ed vl\u00e1da je samoz\u0159ejm\u011b je\u0161t\u011b v\u011bt\u0161\u00edm vin\u00edkem.<\/span><\/p>\n

Dluh americk\u00e9 vl\u00e1dy nyn\u00ed \u010din\u00ed 38,4 bilionu dolar\u016f a p\u0159edpokl\u00e1d\u00e1 se, \u017ee do konce leto\u0161n\u00edho roku toto \u010d\u00edslo v\u00fdrazn\u011b p\u0159ekro\u010d\u00ed 40 bilion\u016f dolar\u016f.<\/span><\/p>\n

V\u00edce ne\u017e deset let jsem varoval p\u0159ed t\u00edm, co se stane, pokud budeme v t\u00e9to cest\u011b pokra\u010dovat, a te\u010f se to stalo.<\/span><\/p>\n

Doslova p\u00e1ch\u00e1me soci\u00e1ln\u00ed sebevra\u017edu.<\/span><\/p>\n

A\u017e se ti p\u0159\u00ed\u0161t\u011b bude cht\u00edt p\u0159i placen\u00ed \u00fa\u010dt\u016f k\u0159i\u010det, mo\u017en\u00e1 by sis m\u011bla vzpomenout, kdo n\u00e1s do tohohle pr\u016f\u0161vihu dostal.<\/span><\/p>\n<\/div>\n<\/div>\n

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Zdroj<\/span><\/a><\/span><\/h3>\n

 <\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Titulek tohoto \u010dl\u00e1nku nen\u00ed p\u0159eklep. D\u016fvod, pro\u010d se \u201ecenov\u00e1 dostupnost\u201c stala pro americk\u00e9 voli\u010de hlavn\u00edm…<\/p>\n","protected":false},"author":2,"featured_media":97955,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[898,2118,45,371,37],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/97954"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=97954"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/97954\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/97955"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=97954"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=97954"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=97954"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}