Donald Trump was elected on a campaign promise to bring down prices - John McDonnell/Getty Images The number of Americans falling seriously behind on their credit card payments has soared to a near 15-year high. The share of credit card loan balances more than 90 days behind on repayment has hit 12.4pc, the highest level since 2011, according to figures from the Federal Reserve Bank of New York. America’s credit card debt pile has soared by 76pc since the start of 2011 to total a record $1.23tn (£940bn) ...

近段时间，许多美国普通民众都在感叹：生活怎么越来越艰难了？ 虽然经济还没到崩溃的地步，但现实压力却与日俱增。求职时要和更多人竞争同一个岗位，超市购物时发现物价明显上涨，月底的信用卡账单总是超出预 算。这些日常生活中的烦恼堆积起来，难免让人心生不满。 究其根源，这些问题的源头可以追溯到特朗普政府发起的贸易战。如今美国的就业市场有多严峻？最新数据显示，今年8月全国仅新增2.2万个工作岗位。 要知道在正常时期，单月新增十万岗位都算平常事。现在这点岗位数量，连求职大军的零头都满足不了。 就业难的同时，生活成本也在攀升。7月份官方公布的消费者物价指数（CPI）同比上涨2.7%，看似涨幅不大，但民众在超市购物时明显感觉钱不值钱了。 日常食品如牛奶、面包的价格悄然上涨，进口商品的价格涨幅更为显著。 零售商们直言不讳地表示，这是由于关税提高导致进口成本增加，不得不将这部分成本转嫁给消费者。更令人担忧的是，调查显示消费者预计未来12个月 通胀率可能升至3.2%。在收入增长缓慢的情况下，许多人开始精打细算，连日常用品都要反复比价。 面对收入不增反降的困境，不少家庭只能依靠信用卡维持生活开支。 这导致美国信用卡债务创下历史新高，更 ...

Core Insights - Warren Buffett emphasizes the importance of avoiding certain financial pitfalls to protect and grow wealth, drawing from his extensive experience and common-sense approach to investing [1][2] Group 1: Financial Pitfalls to Avoid - Getting into credit card debt is labeled as a trap by Buffett, making wealth accumulation nearly impossible due to high interest rates, which can reach 18% or 20% [3] - Buffett warns against not carrying cash, as it can lead to overspending and missing out on better opportunities due to a lack of liquidity awareness [4] - The necessity of researching companies before investing is highlighted, as impulsive decisions based on social media hype can lead to significant losses [6] Group 2: Importance of Liquidity - Buffett maintains a minimum of $20 billion in cash equivalents for Berkshire Hathaway, viewing cash as "dry powder" that allows for patience and quick action when attractive investment opportunities arise [5]