2021年3月发布的2020年5月美国各职业工资中位数: https://www.bls.gov/oes/current/oes_nat.htm
工资高低排列,前25位 (detail里有10%-90%分布)
前10均为医生,11位CEO(大头stock option及业绩),CS manager排17:
1 Anesthesiologists $271,440
2 Surgeons $251,650
3 Obstetricians and Gynecologists $239,120
4 Orthodontists $237,990
5 Oral and Maxillofacial Surgeons $234,990
6 Physicians, All Other; and Ophthalmologists, Except Pediatric $218,850
7 Psychiatrists $217,100
8 Prosthodontists $214,870
9 Family Medicine Physicians $214,370
10 General Internal Medicine Physicians $210,960
11 Chief Executives $197,840
12 Dentists, All Other Specialists $194,930
13 Nurse Anesthetists $189,190
14 Airline Pilots, Copilots, and Flight Engineers $186,870
15 Pediatricians, General $184,570
16 Dentists, General $180,830
17 Computer and Information Systems Managers $161,730
18 Architectural and Engineering Managers $158,100
19 Natural Sciences Managers $154,930
20 Marketing Managers $154,470
21 Petroleum Engineers $154,330
22 Financial Managers $151,510
23 Podiatrists $151,110
24 Lawyers $148,910
25 Sales Managers $147,580
Pharmacists $125,460
Police and Sheriff's Patrol Officers $70,000
Fast Food and Counter Workers $24,540
2019年版‘最值钱最不值钱的本科专业“,几乎包罗所有专业,这里只列前25。不是收入越高越值钱,还要看失业率,多少同事有硕博。
排名 专业 中位数 失业率 硕博率
1 Naval Engineering $90,000 1.6% 29%
2 Nuclear Engineering $98,100 1.8% 56%
3 Pharmaceutical $100,000 2.2% 58%
4 Genetics $85,000 1.2% 76%
5 Electrical Engineering $99,000 2.7% 46%
6 Archit Engineering $74,000 1.5% 29%
7 Aerospace Engineering $90,000 2.3% 49%
8 Computer Engineering $92,000 2.8% 40%
8 Electrical Eng Tech $76,000 1.8% 30%
10 Materials Science $90,000 2.0% 66%
11 Engin Management $72,600 1.3% 34%
12 General Engineering $80,000 2.4% 37%
13 Applied Mathematics $78,200 1.8% 49%
14 Construction Services $70,000 1.9% 11%
14 Transportation Science $72,000 2.2% 20%
16 Mech Engineering $88,000 3.0% 39%
17 MIS Statistics $80,000 2.9% 25%
18 Computer Science $87,000 3.1% 32%
19 Atmospheric Sciences $70,100 0.6% 45%
20 Civil Engineering $80,000 2.7% 39%
21 Chemical Engineering $88,000 3.0% 46%
22 Miscellaneous Engin $70,000 2.1% 21%
23 Finance $75,000 2.9% 29%
24 Math & CS $99,000 4.5% 40%
25 Medical Preparatory $74,000 1.7% 78%
美国人口统计局2021发布的家庭2019收入,中位数68400美元:
家庭年收入 比例
5万美元以下 37.1%
50000-74999 (68400@50%) 16.5%
75000-99999 12.3%
100000-149999 15.5%
150000-199999 8.3%
200000以上 10.3%
从哈佛公开信息分析得出:
家庭经济 对应年收入 占录取者比例 费用
最富1% >$500000 15% 全自费+捐巨款
次富9% 200k-500k 30% 全自费
中上10% 140k-200k 25% 自付额14k-70k
中等30% 70k-140k 10% 自付额7k-14k
剩下50% <$70000 20% full ride
Top 1%净资产4.4米,达标者2百万户,不过难入T5法眼,Top 0.1% UHNWI (ultra-high net worth individual),净值30米以上才行,他们捐的钱是学费的N倍。
为什么20万年收入以上通常要付全费?各校NPC较准,EFC来自收入和财产,粗算如下:
收入 200000 (gross,并非AGI)
减实际税率 德州21%,加州27%,纽约市30%,含FICA,联邦州市收入税,税率随收入递增
减基数 33000 (四口之家,多1人少1人+/-4660)
乘47% 德州为例 (200000x79%-33000)x47%=58750=收入部分的EFC
自住房净值 T5, Dartmouth, Rice只要净值没超过当地市场中位数,不计入EFC。有些学校把相当于年收入1.2-2.5倍净值纳入财产。
财产 银行股市+藏床垫的+自住房之外的房地产+529等等,假设30万, 紫檀零头
乘5.64% T5为例,不计自住房,只算其它300000x5.64%=16920=财产部分的EFC
EFC=58750+16920=75670
H2021账单=74528(不含医疗保险,旅行购物外餐等个人费用)
孩子年打工收入不要超过$6600,超过部分100块算EFC50块;孩子若财产单独开户,EFC直接扣20%(父母5.64%),把钱放到父母名下,孩子挂靠即可。有华人家庭年入7万交全费的,因有2个出租房,国内祖父母外祖父母给孩子的20万美元全放在孩子自己名下。
美国家庭年收入中位数$68400,在这个数字之下,如能上T19,学费生活费几乎全免,the privileged poor.
巨富不在乎那点钱,特穷全免,中间倒霉,最不幸的是中等家庭年入70K-140K,占人口30%,只有名校10%份额。