????:1???????????:????????wx

2???????

3??????

4?????2021????

5??????

???8?????????????????27????? ??(Bankrate)?,???50%??????????????????????????,??????,????

???,??,??????????1????????44%,?????????????????2020???????3???

?,???????????????????????????34%??????????????????????????????32%????,?2022?????,????????????????????????????

?????(Ted Rossman)?,“?????????????2021?,????????????????,?????????????????2021????45%??????2011??????????????”

???,?????,?????????????????,???????????????????

??????????,60%????,????????2021????10%??2022?????????????????,????(24%)?????????????????????????17%?????????????????? ??:????????