美國95后的理想工作：能按日付薪
Jane Thier
2022-07-11
Z世代希望按天領取工資。圖片來源：GETTY IMAGES
Z世代（指1995年至2009年出生的一代人）所期待的工作：休閑著裝規定，辦公室允許攜帶寵物，還有按天領取工資。
代際動力學中心（Center for Generational Kinetics）的最新報告稱，大多數（61%）的Z世代希望雇主提供按日付薪選擇。該中心表示，作為在日薪制時代成年的第一代人，Z世代希望盡快領到工資是有道理的。
按需支付薪酬經常提供給在標準雙周付薪制度下依靠工資維持生計的員工。這種做法通常被稱為“實得工資支取”，可以幫助員工按日領取工資，用于及時支付貸款和賬單，避免逾期、透支費和高額工資日貸款利息等。
這種做法可能對Z世代有所幫助。Z世代主要領取初級工資，而且與新冠疫情相關的經濟困境對他們的影響最為嚴重。代際動力學中心發現，Z世代失業、降薪或每周可用工時減少的比例最高。雖然從新冠疫情爆發至今，情況基本恢復正常，但那段經歷讓Z世代迫切希望避免負債或者拖欠付款。
在年輕人看來，要求按日付薪并不過分。他們習慣了一切盡在掌握。
按需支付軟件公司DailyPay的首席創新與營銷官珍妮·沃爾登告訴《財富》雜志，新冠疫情加快了“按需付薪”的流行，送餐、叫車、住房甚至車輛買賣都能夠一鍵完成。她表示，薪酬自然是下一個前沿領域。
她補充道：“對許多人來說，這是一種積極的變化，但對Z世代而言，[按需獲取事物]只是他們的成長方式。關鍵不止在于他們知道什么，而在于他們期待什么。”
沃爾登稱，DailyPay的用戶數據顯示過去五年多，Z世代對按需付薪日益感興趣。她指出，既然人們可以通過Cash App或Venmo即時給朋友轉賬，為什么雇主不能在每次輪班之后實時將工資支付給員工？
但按日付薪有一個問題。除非雇主將按需支付薪酬限制在較低金額，否則員工可能需要不斷預支薪酬，以彌補工資減少之后的差額。GOBankingRates對1000人所做的調查發現，40%按日領取薪酬的美國人依靠工資維持生計，34%沒有儲蓄。
審計師兼會計師薩爾瓦多·岡薩雷斯向雅虎（Yahoo）表示：“按日領取薪酬的員工領到工資后會立即花掉，并且只能數著天數過日子。領取日薪的員工，[相比雙周付薪的員工]擁有銀行賬戶、儲蓄或積累資產的可能性較低。”
當然，并非所有人都是這種情況。沃爾登表示，雖然“實得工資支取”能夠讓所有年齡段的人受益，但年輕人更清楚這種做法如何幫助他們管理現金流和支出。她補充道，Z世代用戶查看DailyPay Balance（即時收入計算結果）金額的頻率，遠高于查看支票賬戶余額的頻率。
她說：“對他們而言，知識就是力量。他們可以清晰地了解自己的購買力。這對所有人都有好處。”（財富中文網）
翻譯：劉進龍
審校：汪皓
Z世代（指1995年至2009年出生的一代人）所期待的工作：休閑著裝規定，辦公室允許攜帶寵物，還有按天領取工資。
代際動力學中心（Center for Generational Kinetics）的最新報告稱，大多數（61%）的Z世代希望雇主提供按日付薪選擇。該中心表示，作為在日薪制時代成年的第一代人，Z世代希望盡快領到工資是有道理的。
按需支付薪酬經常提供給在標準雙周付薪制度下依靠工資維持生計的員工。這種做法通常被稱為“實得工資支取”，可以幫助員工按日領取工資，用于及時支付貸款和賬單，避免逾期、透支費和高額工資日貸款利息等。
這種做法可能對Z世代有所幫助。Z世代主要領取初級工資，而且與新冠疫情相關的經濟困境對他們的影響最為嚴重。代際動力學中心發現，Z世代失業、降薪或每周可用工時減少的比例最高。雖然從新冠疫情爆發至今，情況基本恢復正常，但那段經歷讓Z世代迫切希望避免負債或者拖欠付款。
在年輕人看來，要求按日付薪并不過分。他們習慣了一切盡在掌握。
按需支付軟件公司DailyPay的首席創新與營銷官珍妮·沃爾登告訴《財富》雜志，新冠疫情加快了“按需付薪”的流行，送餐、叫車、住房甚至車輛買賣都能夠一鍵完成。她表示，薪酬自然是下一個前沿領域。
她補充道：“對許多人來說，這是一種積極的變化，但對Z世代而言，[按需獲取事物]只是他們的成長方式。關鍵不止在于他們知道什么，而在于他們期待什么。”
沃爾登稱，DailyPay的用戶數據顯示過去五年多，Z世代對按需付薪日益感興趣。她指出，既然人們可以通過Cash App或Venmo即時給朋友轉賬，為什么雇主不能在每次輪班之后實時將工資支付給員工？
但按日付薪有一個問題。除非雇主將按需支付薪酬限制在較低金額，否則員工可能需要不斷預支薪酬，以彌補工資減少之后的差額。GOBankingRates對1000人所做的調查發現，40%按日領取薪酬的美國人依靠工資維持生計，34%沒有儲蓄。
審計師兼會計師薩爾瓦多·岡薩雷斯向雅虎（Yahoo）表示：“按日領取薪酬的員工領到工資后會立即花掉，并且只能數著天數過日子。領取日薪的員工，[相比雙周付薪的員工]擁有銀行賬戶、儲蓄或積累資產的可能性較低。”
當然，并非所有人都是這種情況。沃爾登表示，雖然“實得工資支取”能夠讓所有年齡段的人受益，但年輕人更清楚這種做法如何幫助他們管理現金流和支出。她補充道，Z世代用戶查看DailyPay Balance（即時收入計算結果）金額的頻率，遠高于查看支票賬戶余額的頻率。
她說：“對他們而言，知識就是力量。他們可以清晰地了解自己的購買力。這對所有人都有好處。”（財富中文網）
翻譯：劉進龍
審校：汪皓
Gen Z wants the works at work: a casual dress code, pet-friendly offices, and a paycheck every day.
The majority (61%) of Gen Zers would like their employer to provide the option for a daily wage payment, according to a recent report from the Center for Generational Kinetics (CGK). As the first generation to come of age in a time when daily paychecks are possible, per CGK, it makes sense that Gen Z would want immediate access to their wages.
On-demand pay is most often marketed to employees who find themselves living paycheck to paycheck under the standard biweekly payday. Often referred to as earned wage access, it helps workers access funds on a daily basis in order to pay off loans and bills on time and avoid late payments, overdraft fees, and high payday loan interest rates.
That might be helpful for Gen Z, who are largely subject to entry-level salaries and were hit hardest by pandemic-related economic woes. CGK finds they were the top generation to lose their job, have a pay cut, or see a reduction in hours of work available per week. While they have mostly recovered since the pandemic first struck, the experience has made them eager to stave off debt or avoid missing payments.
Daily payment isn’t a lot to ask for in the minds of young workers, who are used to having things at their fingertips.
The pandemic accelerated the rise of an “on-demand world,” Jeanniey Walden, chief innovation and marketing officer of on-demand pay software company DailyPay, tells Fortune: Food delivery, car rides, housing, and even car buying and selling can all be done at the push of a button. Pay, she says, is the natural next frontier.
“For many of us, this is a welcome evolution, but for Gen Z, [getting things on-demand] is just the way they grew up,” she adds. “It’s not only what they know, it’s what they expect.”
DailyPay’s user data has reflected Gen Z’s growing interest in on-demand pay for over five years, Walden says. If people can send money to friends instantly via Cash App or Venmo, she reasons, why can’t employers pay workers real-time after each shift?
But a daily paycheck has a catch. Unless employers cap on-demand pay at a low amount, employees may need consistent early access to their pay to make up the difference of their reduced paychecks. A 1,000-person survey conducted by GOBankingRates found that 40% of Americans who get paid every day live paycheck to paycheck, and 34% have nothing in savings at all.
“Workers that receive their wages daily tend to spend it immediately upon receipt and live on a day-to-day basis,” Salvador Gonzalez, an auditor and accountant, told Yahoo. “People that earn a daily paycheck are less likely [than workers paid biweekly] to have bank accounts, save, or build assets.”
That need not be the case for everyone. While people of all ages stand to benefit from earned wage access, young people better understand how it can help them manage cash flow and expenses, Walden says. She added that Gen Z users check their DailyPay Balance, an up-to-the-minute calculation of their earnings, much more frequently than their checking account balance.
“For them, knowledge is power,” she says. “It gives them a clear understanding of their spending power. That’s good for everyone.”
