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Some observers saw that as a sign that households were strapped for cash.
一些观察人士认为，这是家庭现金拮据的迹象。
Alex Lin of Bank of America disagrees.
美国银行的亚历克斯·林不同意这一观点。
"An increase in credit-card spending can be a function of greater re-engagement in the economy," he says.
他说：“信用卡消费的增加可能是更多地重新参与经济活动的结果。”
"Americans like to use their credit cards to rack up points for travel or restaurants, and that is not necessarily a sign of danger."
“美国人喜欢用他们的信用卡累积旅行或餐馆积分，这不一定是危险的迹象。”
The damage from inflation may also prove tolerable, especially if the Fed's tightening, plus supply-chain improvements, brings prices back under control.
通胀带来的损害也可能被证明是可以忍受的，特别是如果美联储的紧缩政策，加上供应链的改善，使价格回到可控范围内。
Wage growth has been stronger for those on lower incomes, the group most vulnerable to a reduction in real spending power.
低收入人群的工资增长更为强劲，这是最容易受到实际购买力下降影响的群体。
In November annual nominal wage growth for the bottom quartile of earners reached 5.1%, versus 2.7% for the top quartile, according to the Atlanta Fed.
亚特兰大联邦储备银行的数据显示，11月份，收入最低四分之一人群的名义工资年增长率达到5.1%，而收入最高四分之一人群的名义工资年增长率为2.7%。
As a whole, Americans saved about 6.9% of their incomes in November, less than the 7.4% average in the five years before the pandemic.
整体而言，11月美国人将收入的6.9%用于储蓄，低于疫情爆发前五年7.4%的平均水平。
Yet this is exactly what should be seen if some people are dipping into their excess savings.
然而，如果一些人动用自己的过剩储蓄，这正是应该看到的情况。
It is also a key reason why most forecasters think the economy will grow by about 4% this year, a robust pace in the face of headwinds.
这也是多数预测人士认为今年经济将增长4%左右的关键原因，在逆风的情况下，这是一个强劲的步伐。
And that barely grapples with the changes that the extra cash enabled for many recipients.
而这几乎无法应对额外现金给许多受助人带来的变化。
In another hip-hop track, Reneé the Entertainer sings of a woman who splurged on a buttock-augmentation procedure: "She spent the stimmy/on the booty/in Miami."
在另一首嘻哈歌曲中，艺人蕾妮演唱了一位在隆臀手术上挥霍无度的女人：“她在迈阿密花了刺激支票用于臀部。
Reneé, whose real name is Mariah Pizarro, in fact put her money to what is arguably a more productive use.
蕾妮的真名是玛丽亚·皮萨罗，实际上，她把钱用的恰到好处。
"I used them to get a more reliable vehicle," she says.
“我用它们来买一辆更可靠的车，”她说。
Although Ms Pizarro dreams of a music career, the car has for now facilitated a less glamorous occupation.
尽管皮萨罗女士梦想着从事音乐事业，但汽车目前推动了不那么光鲜的职业的发展。
It lets her drive to work at an Amazon warehouse.
她可以开车去亚马逊的一个仓库上班。
一些观察人士认为，这是家庭现金拮据的迹象。
Alex Lin of Bank of America disagrees.
美国银行的亚历克斯·林不同意这一观点。
"An increase in credit-card spending can be a function of greater re-engagement in the economy," he says.
他说：“信用卡消费的增加可能是更多地重新参与经济活动的结果。”
"Americans like to use their credit cards to rack up points for travel or restaurants, and that is not necessarily a sign of danger."
“美国人喜欢用他们的信用卡累积旅行或餐馆积分，这不一定是危险的迹象。”
The damage from inflation may also prove tolerable, especially if the Fed's tightening, plus supply-chain improvements, brings prices back under control.
通胀带来的损害也可能被证明是可以忍受的，特别是如果美联储的紧缩政策，加上供应链的改善，使价格回到可控范围内。
Wage growth has been stronger for those on lower incomes, the group most vulnerable to a reduction in real spending power.
低收入人群的工资增长更为强劲，这是最容易受到实际购买力下降影响的群体。
In November annual nominal wage growth for the bottom quartile of earners reached 5.1%, versus 2.7% for the top quartile, according to the Atlanta Fed.
亚特兰大联邦储备银行的数据显示，11月份，收入最低四分之一人群的名义工资年增长率达到5.1%，而收入最高四分之一人群的名义工资年增长率为2.7%。
As a whole, Americans saved about 6.9% of their incomes in November, less than the 7.4% average in the five years before the pandemic.
整体而言，11月美国人将收入的6.9%用于储蓄，低于疫情爆发前五年7.4%的平均水平。
Yet this is exactly what should be seen if some people are dipping into their excess savings.
然而，如果一些人动用自己的过剩储蓄，这正是应该看到的情况。
It is also a key reason why most forecasters think the economy will grow by about 4% this year, a robust pace in the face of headwinds.
这也是多数预测人士认为今年经济将增长4%左右的关键原因，在逆风的情况下，这是一个强劲的步伐。
And that barely grapples with the changes that the extra cash enabled for many recipients.
而这几乎无法应对额外现金给许多受助人带来的变化。
In another hip-hop track, Reneé the Entertainer sings of a woman who splurged on a buttock-augmentation procedure: "She spent the stimmy/on the booty/in Miami."
在另一首嘻哈歌曲中，艺人蕾妮演唱了一位在隆臀手术上挥霍无度的女人：“她在迈阿密花了刺激支票用于臀部。
Reneé, whose real name is Mariah Pizarro, in fact put her money to what is arguably a more productive use.
蕾妮的真名是玛丽亚·皮萨罗，实际上，她把钱用的恰到好处。
"I used them to get a more reliable vehicle," she says.
“我用它们来买一辆更可靠的车，”她说。
Although Ms Pizarro dreams of a music career, the car has for now facilitated a less glamorous occupation.
尽管皮萨罗女士梦想着从事音乐事业，但汽车目前推动了不那么光鲜的职业的发展。
It lets her drive to work at an Amazon warehouse.
她可以开车去亚马逊的一个仓库上班。
