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Study Examines What Americans Spend the Most Money On

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As the economy shifts, we can see changes in consumer spending habits, as reflected in this Qualtrics study, which reveals what Americans spend the most money on. These insights show us what Americans prioritize and how much flexible spending money they have available for non-essentials. Using data from the U.S. Bureau of Labor Statistics, the team created a chart breaking down spending by category and then a further breakdown of spending categories by income bracket.

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What Do Americans Spend the Most on Each Year?

According to the data collected, Americans spend around $77,280 per year. This spending was divided into these categories, ranked by the amount spent on each.

  1. Housing – $25,436 (32.9% of total annual expenses)
  2. Transportation – $13,174 (17% of total annual expenses)
  3. Food – $9,985 (12.9% of total annual expenses)
  4. Personal insurance and pensions – $9,556 (12.4% of total annual expenses)
  5. Healthcare – $6,159 (8% of total annual expenses)
  6. Utilities, fuels, and public services – $4,625 (6% of total annual expenses)
  7. Entertainment – $3,635 (4.7% of total annual expenses)
  8. Household furnishings and equipment – $2,508 (3.2% of total annual expenses)
  9. Apparel and services – $2,041 (2.6% of total annual expenses)
  10. Personal care products and services – $950 (1.2% of total annual expenses)
  11. Alcoholic beverages – $637 (0.8% of total annual expenses)
  12. Tobacco products and smoking supplies – $370 (0.5% of total annual expenses)

Across income categories, Americans spent the most money on housing, which comes as no surprise. Housing costs and mortgage interest rates have been on the rise since 2020 in response to a shortage in housing stock. That means Americans must spend more if they dream of home ownership. The team’s data takes rent into account as well.

Many people also spent a lot on transportation. This is due to a combination of rising fuel costs leading to higher vehicle prices, as well as parts shortages that affected vehicle stock and prices. Another necessity takes number three on the list. According to the data, Americans are spending $1,174 a month on groceries. Grocery prices have dominated newsfeeds for the past few years. We all need food to survive, so seeing this item so far up the list is no surprise.

With so much uncertainty in the world, it seems Americans are investing heavily in insurance and pensions. The data shows that the more money someone makes, the more they spend on insurance, which makes sense as they need to protect expensive assets. Insurance can help offset unforeseen costs and protect investments. Unfortunately, this insurance spending is shared with high healthcare spending as well. Americans spend more than most citizens of other wealthy nations. As the cost of living has increased, so have health insurance premiums. Healthcare spending not only includes health insurance, but also co-pays, medical supplies, and surprise bills.

We live in an era full of strange relationships with money and wealth. Many Gen Z Americans state feeling “pressured” to show off wealth and luxury on social media, while 41% of Americans don’t feel they’re financially secure. Despite rising expenses, Americans still enjoy shopping, with many of them choosing to go shopping as a treat once a month. Gen Z cites boredom as their number one reason for spending money. Even so, 73% say they are willing to cut back on their daily spending to save for longer-term goals. It seems that although prices are rising, many Americans, particularly younger ones, are still willing to spend on a variety of areas.

 

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Why Are So Many Americans Watching TV with Subtitles?

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Subtitles were an accessibility feature viewers usually didn’t pay attention to unless they were hearing-impaired. These days, though, subtitles are a popular option when watching TV. Preply’s survey of 1,265 Americans found that half of them watch TV with subtitles on for reasons beyond hearing loss or watching foreign films in another language.

A Generational Trend

89% of the people surveyed by Preply have used subtitles at some point. Differences emerge when it comes to how often people use subtitles. Gen Z uses them the most. 70% say they have subtitles on 70% of the time, and Millennials are just above the average amount at 53%. Gen X and Baby Boomers are the least likely to use subtitles. The team graphed data on how often each generation uses subtitles.

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Survey: Why America is obsessed with subtitles

Sound Mixing Issues Get the Blame

The most common reason respondents said they use subtitles is muddled audio. 78% of people who use subtitles say that loud background music drowns out dialogue. 55% of people believed that dialogue is harder to hear now than it used to be. 61% of people say accents make a film more difficult to understand, so they turn on subtitles. Some people use subtitles to keep the TV volume down or to stay focused while they’re dealing with children, pets, or work.

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Why Americans are using subtitles more often

Sound-mixing complaints tie into another emerging opinion about modern television. 44% of viewers think that shows and films are shot in darker tones than in the past. They don’t like the aesthetic, and they think it’s harder to see. Another 35% of people think actors speak faster now than they used to, which also contributes to the use of subtitles.

The Most Subtitled Shows and Stars

A fun section of the study delves into the shows and stars that get the subtitle treatment the most. The most subtitled shows were Peaky Blinders, Derry Girls, and Game of Thrones. Tom Hardy, Sofia Vergara, and Arnold Schwarzenegger were cited as the most difficult-to-understand celebrities. Over half of viewers say they turn on subtitles to follow dialogue with accents they find hard to understand.

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The hardest-to-understand accents, TV shows and celebrities

Subtitles While in Public

A big difference in TV viewing now is that many people watch on their devices while out in public. 74% of Gen Z does this, citing that they watch on public transit, at work, and even while walking and driving. Divided attention is probably part of what’s increasing the appeal of subtitles for this group. For those watching online clips on platforms like YouTube and TikTok, 41% turn on subtitles.

Foreign Films and Language Learning

62% of respondents said they use subtitles more for streaming services than regular TV channels. They said that Amazon Prime, Netflix, and Hulu have the best subtitle features. For foreign-language shows, like the popular Korean series Squid Game, 74% preferred watching in Korean with subtitles over the English dub. 26% of respondents say they use subtitles to help them learn a new language.

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Charts

Instant Translation Apps Impact How Americans Travel

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Translation apps promise to dissolve language barriers with a tap, turning your phone into a pocket interpreter. A new study from Preply suggests that convenience comes at a cost. After surveying 1,200 Americans who have used these tools while traveling abroad, Preply found that 57% considered the apps robotic and unnatural, leaving travelers feeling that something essential was missing from their interactions with locals.

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Study: 57% of Americans found instant translation apps to be robotic and unnatural during their travels abroadThe study’s first graph breaks down how Americans usually communicate when they travel, and the most popular solution is low-tech. Nearly three in five respondents said they learned some of the local language before their trip so they could use it themselves. Gestures and pointing, along with facial expressions, were also popular when asking for food or directions. Half of respondents used a translation app or tool, while two in five used in-person translators. Almost one in five could speak the local language, either from prior knowledge or from efforts to study before the trip. 17% said they still struggled to communicate despite their best efforts.

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Study: 57% of Americans found instant translation apps to be robotic and unnatural during their travels abroadThe second visual shows what travelers don’t like about translation apps. Most complaints center around human connection. Nearly half of travelers said technology made interactions less personal, and more than two in five were bothered by the lack of eye contact because the user must watch the screen. Body language and eye contact help people build rapport, but a device in the middle can disrupt this connection. One in five travelers described real-time technology as somewhat rude. A third of respondents reported an awkward moment while using the tool, and nearly one in three said the app made their trip feel less immersive.

The tools might also undercut long-term learning. More than a third of travelers felt translation technology discouraged them from learning more of the language, and 52% were frustrated that an app can’t communicate tone or cultural nuance.

Study: 57% of Americans found instant translation apps to be robotic and unnatural during their travels abroad

The final visual aid examines what motivates travelers to study a language before setting out on a trip. Half of Americans who traveled abroad took some kind of language class beforehand. The top reason chosen by 73% of respondents was a desire to be polite and respectful. Two-thirds wanted to feel more confident when traveling, and 65% hoped to connect more deeply with locals. Looking ahead, 65% of Americans said they want to learn more of the local language before a future trip.

That doesn’t mean travelers are abandoning their apps. More than two-fifths expect to rely on translation tools more the next time they travel. One in six plan to use these tools less.

Preply offers us a balanced conclusion. Translation apps are a remarkable technology that works best in moderation. Knowing a handful of phrases can transform a transactional exchange into a genuine moment of connection. That connection is something no app has managed to replicate.

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Discover the States with the Most Future-Proof Workforces

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As new technologies transform industries and create new skills demand, this analysis from Altium ranks states by how well their workforces are positioned to meet the future and a changing economy. The article, graphs, and maps show that tech readiness doesn’t always match a high-tech reputation.

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The States With the Most Future-Proof Workforces

Altium defined a future-proof workforce as one with a large share of workers in fields expected to drive economic growth over the next few decades. The study tracked 30 occupations using data from the Bureau of Labor Statistics, including electrical and computer hardware engineers, software developers, data scientists, solar installers, semiconductor processing technicians, CNC programmers, and wind turbine technicians. The team considered 27 “future-tech” industries from aerospace to renewable energy to semiconductor manufacturing and R&D services.

Each state received a score out of 100 based on seven weighted metrics. The largest factor at 25% was the share of workers already employed in future-focused positions. The share of private businesses in future-tech industries was worth 20%. Employment growth and business growth from 2020 to 2025 counted for 15%. Median salary and research and development as a share of state GDP each accounted for 10%, and the share of science and engineering degrees made up the final 5%.

Washington took first place with a score of 79.50. Nearly 6% of the workforce there holds future-focused jobs and earns a median salary of $109,175. Washington’s future-tech businesses grew 59.1% over five years. The article credits the state’s concentration of software and aerospace employers, noting that Washington leads the nation in aerospace sales, exports, and employment.

The runner-up is more surprising! New Mexico ranked second, thanks to its 35.2% growth in future-focused employment. That’s the fastest growth rate in the country. Thanks to national laboratories and an expanding aerospace sector, it has one of the highest median salaries in the study at $117,950. Utah, Idaho, and Rhode Island round out the top five rankings. Idaho stood out for business expansion, with future-tech businesses growing by an eyebrow-raising 124.3%.

The study’s most confusing findings relate to California. The state employs 703,060 people in future-focused occupations, more than any other state, yet it only ranks at #27. Although California is strong in engineering education and R$D investment, future-tech industries make up only 3.4% of its private businesses. Its five-year business growth rate of 19.8% is the lowest in the nation.

Smaller states benefited when technology made up a larger slice of their economies. Rhode Island’s future-tech businesses represent 9.1% of its private sector and grew 62.3%. New Hampshire ranked ninth with the highest future-tech business share in the top ten at 10.5%. Rounding out the top ten were Michigan, North Carolina, Massachusetts, and Colorado.

Mississippi finished last with a score of 36.95, followed by Missouri, Alaska, Louisiana, and Nebraska. Several of these states saw a decline in future-focused occupations. The key takeaway is that a state’s headcount or Silicon Valley reputation alone doesn’t define its readiness for the future. A growing technical workforce and a dense base of tech businesses best position a state for the future.

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