笨狼發牢騷
發發牢騷，解解悶，消消愁
正文
養孩子說錢，夠晦氣的。不過要緊的不是不講錢，而是不能計較。大家整天都琢磨著升學爬藤，沒錢是不行的。在美國，要花錢，有你花的地方。如果你錯過了美國尖子中學的故事，讀讀都是你們華裔學生給弄的。
中國高考是舉世為之瞠目結舌之事，中國普通孩子很難，我也說不上什麽，那美國呢？
幾個月前國內出了個《再見北京》爆紅的“移民爸爸”【1】，大家也許聽說過，但感覺是美國遠遠不如國內反應大，為了孩子（中小學）教育而移民美國，國內人麵臨的艱難選擇，已經移民美國，安頓下來了，這不是問題。中國全民義務教育，但教育質量差別很大，城市與農村，城市與城市，城市內區與區，說天淵之別好像也不過分，要緊好學校，就得住在哪，好學區房價自然比金子還貴。教育是中國畸形房價的一個主要的因素，這也是“移民爸爸”再見北京的最後一推。
大家覺得“移民爸爸”50萬美元（投資）移民美國的價錢是異想天開【2，3】，50萬即使能到美國，也隻是綠卡費，之後再砸50萬，也不知道是不是夠了，不信的人多【4】，50萬夠房子，之後才是真格的。
國內人的痛苦，感得到，幫不上忙，那已經在美國在美國定居的呢？美國教育費用也因地不同，差別大的也不少，但程度遠遠美國國內大。（文學城）麗娜媽媽就“移民爸爸”一事對大家執著於矽穀等地的教育費用不以為然（寫的挺好），覺得美國到處都是生活教育質量很高的城市社區，費用大家完全能負擔，確實如此。
那算到錢上，具體要多少？如果你已經安頓，已經擁有房子（不再需要付款），從小學到大學畢業，每年2萬，一定很好了。
每年2萬，估計大部分雙職工華裔家庭都能承擔，稅前3萬左右，如果兩口子收入（稅前）15萬，中等的樣子，教育占了兩成。
這數字是怎麽來的？
《華爾街日報》做了個統計，美國平均到中學畢業的教育費用是25萬，但居住占了7萬多，刨掉後，到18歲每年一萬。華人比較著重教育，我加上5千課外教育費，如音樂體育等，這是每年1萬5千。大學，藤校之類的私立就另算，公立每年4萬，（22年）總共44萬，每年（平均）2萬。
美國養孩子太便宜了（別忘了隻是從出生到大學畢業），比起國內，幸福多了。
從呱呱落地到大學畢業，你得掙66萬（美金，稅前，房子另計）
你要爬藤，估計得乘二了。不過真能成才，沒幾個，爬藤也沒用，不如省了。
【資料】
【3】自由是得花錢買的，好的日子，也得錢，50萬，少了點。
【6】
In general, the cost of child care alone, when adjusted for inflation, has climbed nearly twice as fast as overall prices since the recession ended in 2009. The figures below are based on what a middle-income family spends per child. (To determine these income groups, the USDA divided the sample of two-parent households into equal thirds.)
【數據注記】
Housing expenses: mortgage payments, property taxes, or rent and maintenance fees, plus utilities and other household items including furniture and appliances. Housing in 1960 was measured using a per capita. Currently, researchers use the cost of an additional bedroom.
Food expenses: food and nonalcoholic beverages bought at stores, eating at restaurants and on school meals. Food expenses in 1960 were measured by a scientific standard of what children should eat rather than what they actually ate, which is the cost that is currently used.
Transportation expenses: down and monthly payments on cars, gas and motor oil, maintenance and repairs, insurance, and public transportation, including air fares.
Clothing expenses: diapers, clothing, shoes and any clothing-related services such as dry cleaning and repair.
Health-care expenses: medical and dental services, prescription drugs and medical supplies not covered by insurance, as well as health-insurance premiums not paid by an employer or other organization; medical services include those related to physical and mental health.
Child-care and education expenses: day-care tuition, elementary- and high-school tuition; babysitting; school-related books, fees, and supplies for both public and private schools. Child care and education in 1960 included families with and without the expense. Currently, these expenses are calculated for families with the expense.
Miscellaneous expenses: personal care items (haircuts, toothbrushes, etc.), entertainment (portable media players, sports equipment, televisions, computers, etc.), and reading materials (nonschool books, magazines, etc.)
Food expenses: food and nonalcoholic beverages bought at stores, eating at restaurants and on school meals. Food expenses in 1960 were measured by a scientific standard of what children should eat rather than what they actually ate, which is the cost that is currently used.
Transportation expenses: down and monthly payments on cars, gas and motor oil, maintenance and repairs, insurance, and public transportation, including air fares.
Clothing expenses: diapers, clothing, shoes and any clothing-related services such as dry cleaning and repair.
Health-care expenses: medical and dental services, prescription drugs and medical supplies not covered by insurance, as well as health-insurance premiums not paid by an employer or other organization; medical services include those related to physical and mental health.
Child-care and education expenses: day-care tuition, elementary- and high-school tuition; babysitting; school-related books, fees, and supplies for both public and private schools. Child care and education in 1960 included families with and without the expense. Currently, these expenses are calculated for families with the expense.
Miscellaneous expenses: personal care items (haircuts, toothbrushes, etc.), entertainment (portable media players, sports equipment, televisions, computers, etc.), and reading materials (nonschool books, magazines, etc.)
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