9000000000000美元的财富转移将使千禧一代和Z世代期待继承的囤积者严重失望:调查

币界网Publicado a 2024-08-10Actualizado a 2024-08-10

币界网报道:

一项新的调查显示,在90万亿美元的巨额财富转移中,老一辈人计划传承的东西和年轻一代期望获得的东西之间存在巨大的期望差距。

就千禧一代而言,金融服务巨头西北互助银行发现,1981年至1996年间出生的一代中有32%的人希望获得遗产。

然而,在1955年至1980年间出生的X一代和婴儿潮一代中,只有22%的人计划实现他们的愿望。

在希望获得遗产的千禧一代中,59%的人表示,预期的财富转移要么非常关键,要么至关重要,没有遗产,他们将无法“实现长期财务安全或能够舒适地退休”

调查显示,这群千禧一代预计他们的遗产将占其总退休资金的6%。

根据调查结果,Z世代的期望差距甚至更大。

“……近十分之四(38%)的人希望获得遗产(不包括6%的人表示他们已经拥有遗产)。但只有22%的X一代和28%的千禧一代表示他们计划留下经济礼物。”

预计将获得遗产的Z世代中约有54%的人也表示,这对他们的长期财务安全和退休至关重要,这一群体预计预期的遗产将覆盖他们总退休资金的10%。

西北互助银行的调查由哈里斯民意调查于1月进行,涉及4588名18岁及以上的美国受访者。

不要错过任何节拍-订阅以直接将电子邮件提醒发送到您的收件箱

检查价格操作

在X、Facebook和Telegram上关注我们

冲浪每日Hodl混合

生成的图像:Midjourney

Lecturas Relacionadas

720 Attacks, 0 Successes: Claude Code Defaults to Auto-Approval, AI Clicks 'Agree' for You

The era of manually approving every action for Claude Code is ending. Starting August 14th, Claude Code will default to an "Auto Mode" for Pro, Max, and Team plans, where AI automatically approves actions instead of prompting users for permission each time. This change is driven by a security report from Trajectory Labs commissioned by Anthropic, which tested 720 attack scenarios across Claude's latest models with zero successful breaches. The defense relies on a three-layer system: the aligned model itself, an input-side probe to detect hijacking attempts, and an output-side classifier to vet actions before execution. Anthropic claims this stack has made prompt injection attacks undemonstrable even internally. Tests showed the Auto Mode blocked 89% of dangerous commands, far surpassing the 13.6% interception rate by human users, who often develop "approval fatigue." However, experts like Simon Willison express caution, warning of potential blind spots. Independent research suggests vulnerabilities may persist, particularly with indirect attacks like malicious commands in third-party packages. While Auto Mode improves efficiency and reduces human error from repetitive prompts, it shifts approval authority from the user to AI. The article concludes that while the system is more reliable than fatigued users, it does not eliminate risk, and ultimate responsibility remains with the human user.

marsbitHace 10 min(s)

720 Attacks, 0 Successes: Claude Code Defaults to Auto-Approval, AI Clicks 'Agree' for You

marsbitHace 10 min(s)

Interview with Kalshi's Founders: Sports Trading Accounts for 95%; Disagreement on Philosophy with Polymarket

Interview with Kalshi Founders: Sports Trading at 95%, Disagreement with Polymarket on Philosophy Kalshi, a US-based prediction market platform founded in 2018 by MIT graduates Tarek Mansour and Luana Lopes Lara, has reached a $220 billion valuation. Operating under CFTC regulation, the platform allows users to trade on event outcomes, from sports to politics. Currently, sports-related trading dominates, accounting for about two-thirds of volume, down from 95% last year. Mansour argues this liquidity boosts other categories like crypto and politics, where major events can see $50-100 million in volume. He defends the concept of "financializing everything," stating markets transform partisan debates into objective, incentive-aligned systems for truth-seeking. A key point of contention is the regulatory approach. Mansour emphasizes Kalshi's commitment to a compliant path, contrasting it with rival Polymarket, which he accuses of operating without proper safeguards. He views established financial platforms like Robinhood and CME as his real competition. The industry faces legal challenges, including a lawsuit from New York's Attorney General alleging illegal gambling, and scrutiny over potential insider trading. Kalshi cites identity verification, surveillance systems, and full transparency as its defenses. On management, Mansour describes a flat, non-hierarchical structure adapted from his upbringing in Lebanon, focusing on agility. He credits his success to consistent, extreme effort. In rapid-fire questions, Mansour highlighted a trade on computing power prices, uses ChatGPT to analyze Kalshi's own election data, and advises young entrepreneurs to experiment boldly and avoid most outside advice.

marsbitHace 30 min(s)

Interview with Kalshi's Founders: Sports Trading Accounts for 95%; Disagreement on Philosophy with Polymarket

marsbitHace 30 min(s)

Vitalik Updates Ethereum Roadmap: From Merge to 'Lean Refactoring', with STARK, AI, and Privacy Reshaping the Technical Foundation

Vitalik Buterin has updated Ethereum's long-term roadmap, outlining a major shift from the post-Merge evolution toward a "Lean Ethereum" vision. The update builds on the 2023 framework but reorders priorities and introduces new concepts. Key continuations include improving consensus (single-slot finality), scaling data availability (larger blobs), simplifying light client verification with SNARKs/STARKs, and protocol simplification. Major adjustments involve significantly prioritizing quantum resistance due to heightened perceived threats, while deprioritizing items like VDFs and some EVM improvements. Technical replacements are planned, such as moving from Verkle trees to a unified Binary Tree and eventually PBTs, and rethinking state management with "New State Types." Notable new additions are: 1. Making **privacy a top-tier priority**, aiming to build it natively into the protocol. 2. **Radical scaling under post-quantum conditions**, using techniques like leanSPHINCS signatures and zkzk frames. 3. **Protocol "Lean-ification" and formal verification**, leveraging modern AI tools to make full formal verification feasible. 4. Exploring **Blob and Gas futures** for future capacity. 5. Developing **Native Rollups**, deeply integrating rollup capabilities into the protocol. 6. **Reimagining the EVM's future**, potentially exposing a simpler, modern instruction set (e.g., leanISA or RISC-V), with EVM becoming a compatibility layer. The core philosophy shifts toward specializing mechanisms for high-load activities (transfers, swaps, privacy) to gain scalability, rather than attempting to infinitely scale all activities. It also elevates **recursive STARKs and AI-assisted formal verification** as foundational infrastructure. In summary, Ethereum is embarking on a systemic "third-generation" redesign—Lean Ethereum—involving replacements or rewrites of major components. The goal is to achieve a quantum-safe, privacy-first, secure, decentralized, and highly scalable network while maintaining a lean and verifiable protocol.

marsbitHace 55 min(s)

Vitalik Updates Ethereum Roadmap: From Merge to 'Lean Refactoring', with STARK, AI, and Privacy Reshaping the Technical Foundation

marsbitHace 55 min(s)

Trading

Spot
活动图片