从哪些方面可以看出，钱不好赚了？

Core Insights - The current economic environment has led to a widespread perception that earning money has become significantly more difficult, driven by stagnant wages, rising living costs, and increased competition in the job market [1][10]. Income and Employment - Official data indicates that the average wage growth for residents in the first three quarters of 2025 was 5.4%, but the actual disposable income has not seen substantial increases due to rising living costs [1]. - The median income growth rate of 4.5% is lower than the average, suggesting that most ordinary individuals are falling behind [1]. - Many companies are unable to provide salary increases or bonuses, leading employees to seek side jobs, with 60% of young workers engaging in activities like content creation and ride-sharing to supplement their income [1]. Consumer Behavior - Consumer spending has become more cautious, with clothing expenditure growing only 1.6% in the first three quarters of 2025, indicating a shift towards prioritizing essential purchases [3]. - The trend of "non-essential spending" has decreased, as individuals are more likely to compare prices and seek value, leading to a decline in discretionary purchases [8]. Investment Landscape - The growth in residents' net property income was only 1.7%, the slowest among all income sources, reflecting a challenging investment environment [4]. - The decline in bank wealth management product yields below 3% and significant losses in stocks and funds have driven individuals to seek alternative investments, such as gold, which saw a 24.55% increase in consumption [4]. Job Market Dynamics - The job market has become increasingly competitive, with fewer job openings and higher requirements for candidates, making it difficult for fresh graduates to secure positions [7]. - The rise of "flexible employment" has led many individuals to rely on gig work, which often results in unstable income [7]. Economic Sentiment - The overall sentiment reflects a collective struggle with earning money, attributed to various factors including corporate profitability pressures, rational consumer demand, market risks, and reduced job supply [10]. - Despite these challenges, individuals are adapting by exploring side jobs and alternative investment strategies, indicating resilience in the face of economic shifts [10].