????????????????:??? ?????????????

????:????????:?????app

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

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

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

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

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

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