Zhong Guo Xin Wen Wang·2025-11-12 00:48Core Insights - The proportion of "moonlight" families among low-income households in the U.S. has risen to 29% by 2025, indicating that their income barely covers basic living expenses [1] - The report highlights that while the "moonlight" family ratio for high and middle-income households has remained stable, low-income families are experiencing increased economic pressure [1] - The increase in the "moonlight" family ratio among low-income households is attributed to a slowdown in wage growth for this group compared to high-income households [1] Summary by Category Economic Pressure - The "moonlight" family ratio among low-income households increased from 27.1% in 2023 to 28.6% in 2024, and is projected to reach 29% in 2025 [1] - Low-income individuals have been facing greater economic challenges, with wage growth lagging behind that of high-income individuals [1] Demographic Insights - The "Millennial" and "Generation X" groups among low-income families are experiencing the most significant economic pressure [1] Savings and Financial Risk - A Goldman Sachs report indicates that approximately 40% of Americans have no savings, with 74% of this group stating that urgent expenses hinder their ability to save for retirement [1] - The increasing pressure of basic living expenses may lead to greater financial risks for individuals in their later years [1]