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High school seniors spend most of their earnings on clothes, music, movies, eating out and other personal expenses. Spending on cars and car expenses comes in second, especially for males. And way down the list come saving for college or other long-range goals and helping with family living expenses.
The findings come from a new study of 49,000 high school seniors from the classes of 1981 through 2011, based on the Monitoring the Future study conducted annually by the University of Michigan Institute for Social Research. Authors include Jerald Bachman, Jeremy Staff, Patrick O'Malley and Peter Freedman-Doan.
In recent years, the proportion of high school seniors in paid employment has declined appreciably, from 75 percent in 2001 to 59 percent in 2010. But there has been little change over the years in what student workers actually do with their money. Most students devote about half or more of their earnings to discretionary spending on relatively short-term wants and needs, Bachman says.
Levels of spending on cars have changed notably, however. Up through about 2005, roughly 30 percent of males spent about half or more of their earnings on cars, but that dropped to about 23 percent for males in the classes of 2009-11. Among females, the proportions spending about half or more of earnings on cars was consistently lower, but rates rose gradually from 1981-85 (16 percent) through 1995-2000 (24 percent) and then dropped sharply by 2009-2011 (17 percent).
Although the current research did not explore why this change in car spending has happened, other reports have shown overall declines in driving in recent years and that young people, in particular, are driving less.
Another interesting change in teen spending was the small but steady decline in proportions of female 12th-graders who devoted about half or more of their earnings to discretionary spending, dropping from about 62 percent in 1981-1985 to about 55 percent in 2006-2011. Among males, the proportions were consistently lower, but they, too, dropped slightly from a high of about 55 percent in 1986-2000 to about 51 percent in 2009-2011.
Proportions of 12th-graders who contributed at least half of their earnings to helping out the family were consistently low, rising slightly over the three decades studied from 9 percent to 12 percent among males and 10 percent to 14 percent among females.
Savings for further education ranked a bit higher than contributions to family, but showed little in the way of gender differences or consistent change across time. An average of about 17 percent devoted about half or more of their earnings to future education. An important question examined in the report is whether saving for college somehow "protects" students from the possible negative consequences of working long hours on the job. The researchers found that college savers are somewhat less likely to work long hours in a paid job, presumably because they want more time for school work so as to qualify for college entrance.
Bachman and colleagues say that for any given level of work intensity, college savers are less likely to use cigarettes, alcohol and illegal drugs, and more likely to have good grades. Nevertheless, among both those who saved about half or more for college and those who did not, working long hours was associated with negative outcomes.
http://www.ns.umich.edu/new/releases/21959-most-teen-workers-spend-not-save
密歇根大学社会研究院的一项调查显示，1981-2011年间，高中生将他们大部分的打工收入用于衣服、音乐、外出就餐和其他个人消费；一部分男生会将钱用于买车或汽车维护；而只有一小部分人会选择为大学积攒学费等长期目标或是补贴家用。近年来，打工的高中生数量明显减少，从2001年的75%减至2010年的59%。但是打工收入的花费用途总体来看并无显著变化，绝大部分学生仍将收入用于短期消费。然而，汽车开销却有较明显的变化：2005年，约近30%的男生将一半或以上收入用于汽车，而这一数字在2009-2011年间跌至23%；女生在汽车方面的花销一直较低，但这一比例从1981-1985年间的16%上升到1995-2000年间的24%，却于2009-2011年间跌回17%。另外一个有趣的变化是，无论是男生还是女生，无计划的开销都在逐步减少。为长期计划的人数较以前有所增加，约有17%的人将一半或以上的收入储蓄用于未来教育投资。
The findings come from a new study of 49,000 high school seniors from the classes of 1981 through 2011, based on the Monitoring the Future study conducted annually by the University of Michigan Institute for Social Research. Authors include Jerald Bachman, Jeremy Staff, Patrick O'Malley and Peter Freedman-Doan.
In recent years, the proportion of high school seniors in paid employment has declined appreciably, from 75 percent in 2001 to 59 percent in 2010. But there has been little change over the years in what student workers actually do with their money. Most students devote about half or more of their earnings to discretionary spending on relatively short-term wants and needs, Bachman says.
Levels of spending on cars have changed notably, however. Up through about 2005, roughly 30 percent of males spent about half or more of their earnings on cars, but that dropped to about 23 percent for males in the classes of 2009-11. Among females, the proportions spending about half or more of earnings on cars was consistently lower, but rates rose gradually from 1981-85 (16 percent) through 1995-2000 (24 percent) and then dropped sharply by 2009-2011 (17 percent).
Although the current research did not explore why this change in car spending has happened, other reports have shown overall declines in driving in recent years and that young people, in particular, are driving less.
Another interesting change in teen spending was the small but steady decline in proportions of female 12th-graders who devoted about half or more of their earnings to discretionary spending, dropping from about 62 percent in 1981-1985 to about 55 percent in 2006-2011. Among males, the proportions were consistently lower, but they, too, dropped slightly from a high of about 55 percent in 1986-2000 to about 51 percent in 2009-2011.
Proportions of 12th-graders who contributed at least half of their earnings to helping out the family were consistently low, rising slightly over the three decades studied from 9 percent to 12 percent among males and 10 percent to 14 percent among females.
Savings for further education ranked a bit higher than contributions to family, but showed little in the way of gender differences or consistent change across time. An average of about 17 percent devoted about half or more of their earnings to future education. An important question examined in the report is whether saving for college somehow "protects" students from the possible negative consequences of working long hours on the job. The researchers found that college savers are somewhat less likely to work long hours in a paid job, presumably because they want more time for school work so as to qualify for college entrance.
Bachman and colleagues say that for any given level of work intensity, college savers are less likely to use cigarettes, alcohol and illegal drugs, and more likely to have good grades. Nevertheless, among both those who saved about half or more for college and those who did not, working long hours was associated with negative outcomes.
http://www.ns.umich.edu/new/releases/21959-most-teen-workers-spend-not-save
密歇根大学社会研究院的一项调查显示，1981-2011年间，高中生将他们大部分的打工收入用于衣服、音乐、外出就餐和其他个人消费；一部分男生会将钱用于买车或汽车维护；而只有一小部分人会选择为大学积攒学费等长期目标或是补贴家用。近年来，打工的高中生数量明显减少，从2001年的75%减至2010年的59%。但是打工收入的花费用途总体来看并无显著变化，绝大部分学生仍将收入用于短期消费。然而，汽车开销却有较明显的变化：2005年，约近30%的男生将一半或以上收入用于汽车，而这一数字在2009-2011年间跌至23%；女生在汽车方面的花销一直较低，但这一比例从1981-1985年间的16%上升到1995-2000年间的24%，却于2009-2011年间跌回17%。另外一个有趣的变化是，无论是男生还是女生，无计划的开销都在逐步减少。为长期计划的人数较以前有所增加，约有17%的人将一半或以上的收入储蓄用于未来教育投资。