个人收入所得的钱既可以消费也可以储蓄,但无论如何花费不都是完全自愿的。我们收入中的相当一部分要用于支付个人所得税,大多数人从来没有收到他们交纳的税,因为它从他们的工资卡上被扣除了。个人在缴纳所得税后余留下来的钱是可自由支配的个人收入。可自由支配的收入可被分为个人消费支出和个人储蓄,请记住个人储蓄是消费后剩下的那部分收入,这一点很重要。
Income
Income may be national income and personal income. Whereas national income is defined as the total earned income of all the factors of productionnamely, profits, interest, rent, wages, and other compensation for labor, personal income may be defined as total money income received by individuals before personal taxes are paid. National income does not equal GNPbecause the factors of production do not receive payment for either capital consumption allowances or indirect business taxes, both of which are included in GNP. The money put aside for capital consumption is for replacement and thus is not counted as income. Indirect taxes include sales taxes, property taxes, and excise taxes that are paid by businesses directly to the government and so reduce the income left to pay for the factors of production. Three-fourths of national income goes for wages, salaries, and other forms of compensation to employees.
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