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Why Is Inflation Reducing My Purchasing Power? - Learn About Economics
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00:08
Why is inflation reducing my purchasing power?
為什麼通貨膨脹會降低我的購買力？
00:12
Imagine walking into a grocery store today and noticing that your favorite cereal now costs a dollar more than it
想像一下，今天你走進一家雜貨店，注意到你最愛的早餐穀物比去年貴了一美元。
00:19
did last year.
比去年貴了一美元。
00:20
That's a simple example of how inflation affects what you can buy with the same amount of money.
這是通膨如何影響你用同樣金額能買到什麼的一個簡單例子。
00:28
When prices go up across the economy, your money doesn't stretch as far as it used
當整體經濟的物價上漲時，你的錢就不像以前那麼耐用了。
00:31
to.
了。
00:31
This is what we call a drop in your purchasing power.
這就是我們所說的購買力下降。
00:36
Think of money as a limited resource, like a pie that you can only cut into so many slices.
把錢想像成一種有限的資源，就像一個派，你只能切成這麼多片。
00:42
When prices rise, it's like the pie gets smaller because each slice now costs more.
當物價上漲時，就好像派變小了，因為每一片現在都要花更多錢買。
00:47
You might have the same amount of money, but it can buy fewer slices of your favorite foods, clothes,
你手上的錢可能一樣多，但能買到的最愛食物、衣服或甚至車子的汽油片數卻變少了。
00:52
or even gas for your car.
或甚至車子的汽油。
00:56
This is because of a basic economic idea called scarcity.
這是因為一個基本的經濟概念：稀缺性。
00:58
Resources including money are limited compared to what people want and need.
相比於人們的慾望和需求，資源（包括金錢）是有限的。
01:03
When inflation happens, it makes money scarcer in terms of what it can buy.
當通貨膨脹發生時，就代表錢能買到的東西變少了。
01:09
Now, let's look at how this works in real life.
現在，讓我們看看這在現實生活中是如何運作的。
01:13
If inflation is 5%, something that cost $100 last year will now cost $15.
如果通膨率是 5%，去年賣 100 美元的東西，現在要價 115 美元。
01:19
If your paycheck stays the same, you can't buy as much as before.
如果你的薪水維持不變，你就無法像以前那樣買那麼多了。
01:25
Your income might be the same in numbers, but the value of that income drops because
你的收入數字可能沒變，但因為物價更高，這筆收入的價值下降了。
01:29
prices are higher.
物價上漲了
01:31
This is called a decrease in real income.
這被稱為「實質收入」下降。
01:34
Savings also lose value during inflation.
儲蓄在通貨膨脹期間也會貶值。
01:38
If you saved $1,000 today, in a year with 5% inflation, that same $1,000 will buy about $50 less worth of
如果你今天存下 1,000 美元，在通貨膨脹率為 5% 的一年後，同樣的 1,000 美元能購買的商品或服務將減少約 50 美元。
01:46
goods or services.
商品或服務。
01:49
So, your savings are worth less in terms of what they can buy in the future.
因此，就未來的購買力而言，你的儲蓄價值會降低。
01:54
Inflation also makes it harder to plan for the future.
通貨膨脹也讓未來規劃變得更加困難。
01:58
When prices are rising unpredictably, people and businesses become unsure about what costs will be.
當價格上漲得難以預測時，個人和企業會對未來的成本感到不確定。
02:04
This uncertainty can cause people to spend less or delay big investments.
這種不確定性可能導致人們減少支出或延遲重大投資。
02:11
For example, if you're thinking about buying a new car or house, rising prices might
例如，如果你正在考慮買新車或新房子，價格上漲可能會讓你猶豫不決，
02:14
make you hesitant because you're unsure how much more things will cost later.
因為你無法確定未來的物價會上漲多少。
02:19
Supply and demand also play a role.
供給與需求也扮演著重要角色。
02:24
If demand for products outpaces what's available, prices go up.
如果產品的需求超過了可用供給，價格就會上漲。
02:28
For example, if many people want new smartphones, but there are not enough to go around, the
例如，如果許多人想要新手機，但數量不足以供應，
02:32
price of those phones increases.
這些手機的價格就會上漲。
02:37
This increase in prices then reduces how much you can buy with your money.
這種價格上漲會降低你手頭現金的實際購買力。
02:42
In everyday life, inflation means that groceries, fuel, and health care costs are higher.
在日常生活中，通貨膨脹意味著雜貨、燃料和醫療保健的成本變得更高。
02:46
Your paycheck might stay the same, but your money doesn't buy as much as it used to.
你的薪水可能維持不變，但你的錢能買到的東西卻變少了。
02:52
That's why understanding inflation helps you manage your money better.
這就是為什麼了解通貨膨脹有助於你更好地管理財務。
02:56
You might decide to look for ways to earn more, save smarter, or invest in assets that keep pace with
你可能會決定尋找增加收入、更聰明地儲蓄，或投資於能跟上通貨膨脹步伐的資產。
03:02
inflation.
通貨膨脹步伐的資產。
03:04
In the bigger picture, controlling inflation is important for keeping your money's value stable.
從宏觀角度來看，控制通貨膨脹對於維持貨幣價值的穩定非常重要。
03:11
When inflation gets too high or unpredictable, it can slow down economic growth and make
當通貨膨脹過高或變得難以預測時，可能會拖慢經濟成長，並使
03:16
everyday life more expensive.
日常生活開銷增加。
03:20
Knowing how inflation works helps you make smarter choices about your finances and
了解通膨的運作方式，有助於您在財務上做出更明智的選擇，並
03:23
plan for a more secure future.
為更穩固的未來進行規劃。

Why Is Inflation Reducing My Purchasing Power? - Learn About Economics

📝 影片摘要

本單元深入解析通貨膨脹（Inflation）如何侵蝕購買力（Purchasing Power）。課程以生動的「派」比喻解釋物價上漲導致貨幣價值下降的原理，並闡述「稀缺性」（Scarcity）在其中的關鍵作用。透過具體數學範例，說明通膨率如何影響商品價格與實質收入（Real Income），以及儲蓄價值的縮水。此外，影片探討了供給與需求對價格的影響，以及通膨帶來的不確定性如何干擾個人與企業的未來規劃。最後，提供應對策略，鼓勵觀眾透過增加收入、聰明儲蓄及投資來抵禦通膨衝擊。

📌 重點整理

  • ✓ 通貨膨脹導致物價上漲，使相同金額的貨幣能購買的商品減少，即購買力下降。
  • ✓ 「稀缺性」是基本經濟概念，資源有限而慾望無窮，通膨加劇了金錢能購買實體資源的稀缺程度。
  • ✓ 通膨會降低「實質收入」，即使名目薪資不變，其實際購買價值也會因物價上漲而縮水。
  • ✓ 儲蓄在通膨環境下會貶值，今日的存款在未來能購買的商品或服務將隨時間減少。
  • ✓ 供給與需求失衡（如需求大於供給）是導致價格上漲、購買力下降的直接原因之一。
  • ✓ 通膨的不可預測性會增加未來規劃的難度，導致個人與企業延遲支出或重大投資。
  • ✓ 為應對通膨，個人可尋求增加收入、改善儲蓄策略，或投資能抗通膨的資產。
  • ✓ 從宏觀角度看，控制通膨對於維持貨幣價值穩定、促進經濟成長及日常生活開銷穩定至關重要。
📖 專有名詞百科 ｜點擊詞彙查看維基百科解釋
購買力
purchasing power
稀缺性
scarcity
通貨膨脹
inflation
實質收入
real income
儲蓄
savings
不確定性
uncertainty
供給
supply
需求
demand
資產
assets
波動的
volatile

🔍 自訂查詢

📚 共 10 個重點單字
purchasing power /ˈpɜːrtʃəsɪŋ ˈpaʊər/ noun
The value of a currency expressed in terms of the amount of goods or services that one unit of money can buy.
購買力
📝 例句
"[31] This is what we call a drop in your purchasing power."
→ 這就是我們所說的購買力下降。
✨ 延伸例句
"Inflation erodes the purchasing power of money."
→ 通貨膨脹會侵蝕貨幣的購買力。
scarcity /ˈskɛrsəti/ noun
The state of being in short supply; the fundamental economic problem of having seemingly unlimited human wants in a world of limited resources.
稀缺性
📝 例句
"[56] This is because of a basic economic idea called scarcity."
→ 這是因為一個基本的經濟概念：稀缺性。
✨ 延伸例句
"Scarcity drives competition for resources."
→ 稀缺性驅動了對資源的競爭。
inflation /ɪnˈfleɪʃən/ noun
A general increase in prices and fall in the purchasing value of money.
通貨膨脹
📝 例句
"[20] That's a simple example of how inflation affects what you can buy..."
→ 這是通膨如何影響你用同樣金額能買到什麼的一個簡單例子。
✨ 延伸例句
"The central bank is trying to control inflation."
→ 中央銀行正試圖控制通貨膨脹。
real income /riːl ˈɪnkʌm/ noun
Income that is adjusted for inflation, reflecting the actual purchasing power of the earnings.
實質收入
📝 例句
"[91] This is called a decrease in real income."
→ 這被稱為「實質收入」下降。
✨ 延伸例句
"Even with a pay raise, your real income might fall if inflation is high."
→ 即使加薪，如果通膨很高，你的實質收入可能會下降。
savings /ˈseɪvɪŋz/ noun
Money that has been saved and set aside for future use.
儲蓄
📝 例句
"[94] Savings also lose value during inflation."
→ 儲蓄在通貨膨脹期間也會貶值。
✨ 延伸例句
"It is wise to keep an emergency fund in your savings."
→ 在你的儲蓄中保留緊急備用金是明智的。
uncertainty /ʌnˈsɜːrtənti/ noun
The state of being unsure or not known.
不確定性
📝 例句
"[118] When prices are rising unpredictably, people and businesses become unsure..."
→ 當價格上漲得難以預測時，個人和企業會對未來的成本感到不確定。
✨ 延伸例句
"Economic uncertainty often leads to reduced investment."
→ 經濟不確定性通常導致投資減少。
supply /səˈplaɪ/ noun
The total amount of a good or service that is available to consumers.
供給
📝 例句
"[139] Supply and demand also play a role."
→ 供給與需求也扮演著重要角色。
✨ 延伸例句
"If supply decreases, prices usually go up."
→ 如果供給減少，價格通常會上漲。
demand /dɪˈmænd/ noun
The desire of consumers to purchase goods and services.
需求
📝 例句
"[144] If demand for products outpaces what's available, prices go up."
→ 如果產品的需求超過了可用供給，價格就會上漲。
✨ 延伸例句
"High demand for the new console made it hard to find."
→ 對新遊戲機的高需求使其難以尋獲。
assets /ˈæsets/ noun
Items of ownership convertible into cash; resources owned by a person or company.
資產
📝 例句
"[176] ...or invest in assets that keep pace with inflation."
→ ...或投資於能跟上通貨膨脹步伐的資產。
✨ 延伸例句
"Real estate is considered a tangible asset."
→ 房地產被認為是一種有形資產。
volatile /ˈvɒlətaɪl/ adjective
Liable to change rapidly and unpredictably, especially for the worse.
波動的
📝 例句
"[125] When prices are rising unpredictably..."
→ 當價格上漲得難以預測時...
✨ 延伸例句
"Tech stocks can be very volatile."
→ 科技股可能波動非常大。
🎯 共 10 題測驗

1 According to the video, what does inflation cause regarding your money? (根據影片，通貨膨脹會對你的錢造成什麼影響？) 根據影片，通貨膨脹會對你的錢造成什麼影響？ According to the video, what does inflation cause regarding your money? (根據影片，通貨膨脹會對你的錢造成什麼影響？)

根據影片，通貨膨脹會對你的錢造成什麼影響？

✅ 正確！ ❌ 錯誤，正確答案是 B

The video states that when prices go up, money doesn't stretch as far, which is a drop in purchasing power.

影片指出，當價格上漲時，錢的購買力下降。

2 What economic concept is used to explain why limited resources affect buying power? (影片使用什麼經濟概念來解釋資源有限如何影響購買力？) 影片使用什麼經濟概念來解釋資源有限如何影響購買力？ What economic concept is used to explain why limited resources affect buying power? (影片使用什麼經濟概念來解釋資源有限如何影響購買力？)

影片使用什麼經濟概念來解釋資源有限如何影響購買力？

✅ 正確！ ❌ 錯誤，正確答案是 B

Scarcity is mentioned as the basic economic idea that resources are limited compared to wants.

影片提到稀缺性是基本經濟概念，指資源相對於慾望是有限的。

3 If inflation is 5%, how much will a $100 item cost this year? (如果通膨率是 5%，今年一件 100 美元的商品要多少錢？) 如果通膨率是 5%，今年一件 100 美元的商品要多少錢？ If inflation is 5%, how much will a $100 item cost this year? (如果通膨率是 5%，今年一件 100 美元的商品要多少錢？)

如果通膨率是 5%，今年一件 100 美元的商品要多少錢？

✅ 正確！ ❌ 錯誤，正確答案是 B

The video explains that with 5% inflation, an item costing $100 last year will now cost $115.

影片解釋，通膨 5% 時，去年 100 美元的商品現在要價 115 美元。

4 What happens to your income if prices rise but your paycheck stays the same? (如果物價上漲但你的薪水不變，會發生什麼事？) 如果物價上漲但你的薪水不變，會發生什麼事？ What happens to your income if prices rise but your paycheck stays the same? (如果物價上漲但你的薪水不變，會發生什麼事？)

如果物價上漲但你的薪水不變，會發生什麼事？

✅ 正確！ ❌ 錯誤，正確答案是 B

This is called a decrease in real income because the value of the income drops due to higher prices.

這被稱為實質收入下降，因為物價更高導致收入的價值下降。

5 How does inflation affect existing savings of $1,000 at 5% inflation? (在 5% 通膨下，通膨如何影響 1,000 美元的現有儲蓄？) 在 5% 通膨下，通膨如何影響 1,000 美元的現有儲蓄？ How does inflation affect existing savings of $1,000 at 5% inflation? (在 5% 通膨下，通膨如何影響 1,000 美元的現有儲蓄？)

在 5% 通膨下，通膨如何影響 1,000 美元的現有儲蓄？

✅ 正確！ ❌ 錯誤，正確答案是 B

With 5% inflation, $1,000 will buy about $50 less worth of goods or services a year later.

在 5% 通膨下，一年後 1,000 美元能購買的商品或服務將減少約 50 美元。

6 Why does inflation make planning for the future difficult? (為什麼通膨讓未來規劃變得困難？) 為什麼通膨讓未來規劃變得困難？ Why does inflation make planning for the future difficult? (為什麼通膨讓未來規劃變得困難？)

為什麼通膨讓未來規劃變得困難？

✅ 正確！ ❌ 錯誤，正確答案是 A

When prices rise unpredictably, people and businesses become unsure about future costs, leading to uncertainty.

當價格上漲得難以預測時，個人和企業對未來成本感到不確定，導致規劃困難。

7 According to the video, what drives prices up when demand outpaces supply? (根據影片，當需求超過供給時，什麼驅動價格上漲？) 根據影片，當需求超過供給時，什麼驅動價格上漲？ According to the video, what drives prices up when demand outpaces supply? (根據影片，當需求超過供給時，什麼驅動價格上漲？)

根據影片，當需求超過供給時，什麼驅動價格上漲？

✅ 正確！ ❌ 錯誤，正確答案是 B

The video mentions that if demand outpaces supply, prices go up due to the scarcity of the product.

影片提到，如果需求超過供給，由於產品的稀缺性，價格會上漲。

8 What action is suggested to cope with inflation? (影片建議採取什麼行動來應對通膨？) 影片建議採取什麼行動來應對通膨？ What action is suggested to cope with inflation? (影片建議採取什麼行動來應對通膨？)

影片建議採取什麼行動來應對通膨？

✅ 正確！ ❌ 錯誤，正確答案是 B

The video suggests earning more, saving smarter, or investing in assets that keep pace with inflation.

影片建議尋找增加收入、更聰明地儲蓄，或投資於能跟上通膨步伐的資產。

9 What is the 'pie' analogy used to explain in the video? (影片中的「派」比喻是用來解釋什麼？) 影片中的「派」比喻是用來解釋什麼？ What is the 'pie' analogy used to explain in the video? (影片中的「派」比喻是用來解釋什麼？)

影片中的「派」比喻是用來解釋什麼？

✅ 正確！ ❌ 錯誤，正確答案是 B

Money is compared to a pie that gets smaller (slices cost more) when prices rise.

金錢被比作一個派，當價格上漲時，派變小了（每一片要花更多錢買）。

10 What is the macroeconomic importance of controlling inflation mentioned? (影片提到控制通膨的宏觀重要性是什麼？) 影片提到控制通膨的宏觀重要性是什麼？ What is the macroeconomic importance of controlling inflation mentioned? (影片提到控制通膨的宏觀重要性是什麼？)

影片提到控制通膨的宏觀重要性是什麼？

✅ 正確！ ❌ 錯誤，正確答案是 A

Controlling inflation is important for keeping the money's value stable and preventing economic slowdown.

控制通膨對於維持貨幣價值穩定及防止經濟放緩非常重要。

測驗完成！得分： / 10

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