美國人，雜貨成本以及偉大的硬幣階段：您準備好了嗎？

在結帳時準備好重大！一分錢的日子是編號，您的雜貨賬單可能會感到捏。這是硬幣如何影響美國人的低點。

Americans, Grocery Costs, and the Great Coin Phase Out: Are You Ready?

美國人，雜貨成本以及偉大的硬幣階段：您準備好了嗎？

Hold on to your hats, folks! Change is coming – and it might just cost you a little extra at the grocery store. The penny, a fixture in American pockets for over two centuries, is facing its twilight. As the U.S. government hits pause on penny production, it's time to talk about what this 'coin phase out' means for your wallet.

抓住你的帽子，伙計們！更改即將到來 - 在雜貨店可能會花費您一些額外的費用。一分錢是美國口袋裡的固定裝置已有兩個多世紀了，正面臨著暮光之城。隨著美國政府對一分錢的生產停頓，現在該談論這種“硬幣逐步淘汰”對您的錢包意味著什麼了。

The Penny's Last Stand: Why Now?

一分錢的最後一站：為什麼現在？

Let's face it, the penny hasn't been pulling its weight. Minting these little copper-plated zinc discs costs more than their face value. According to the US Mint's 2024 annual report, it costs 3.69 cents to make one! Former President Trump even weighed in, calling it "wasteful." The Treasury placed its final order for penny blanks in May of 2024, and production will likely cease at the start of 2025.

面對現實吧，一分錢還沒有拉起重量。鑄造這些小銅鍍鋅圓盤的成本高於其面值。根據美國造幣廠的2024年年度報告，製造一張價格為3.69美分！特朗普前總統甚至稱其為“浪費”。財政部在2024年5月為Penny Blanks下達了最終訂單，生產可能會在2025年初停止。

The Rounding Game: How It Affects Your Grocery Bill

四捨五入遊戲：它如何影響您的雜貨賬單

So, what happens when the penny disappears from the mint? Cash transactions will likely be rounded to the nearest nickel. The Federal Reserve Bank of Richmond says that purchases ending in 1, 2, 6, or 7 cents will be rounded down. Purchases ending in 3, 4, 8, or 9 cents get rounded up. While it might seem negligible, this "rounding tax" could cost American shoppers an estimated $6 million annually.

那麼，當一分錢從薄荷中消失時會發生什麼？現金交易可能會四捨五入到最近的鎳。里士滿聯邦儲備銀行說，以1、2、6或7美分結束的購買將被拋棄。以3、4、8或9美分結尾的購買被舍入。雖然這似乎可以忽略不計，但這種“舍入稅”可能每年造成600萬美元的損失。

Beyond the Penny: Crypto on the Horizon?

超越一分錢：地平線加密？

Interestingly, the discussion about phasing out physical currency coincides with the rise of digital currencies. As of 2025, Ripple CLO and President of the National Cryptocurrency Association (NCA) reports that many Americans find crypto research overwhelming. The NCA is working to provide clearer crypto resources, but could the move away from pennies nudge more Americans towards digital payment options?

有趣的是，關於相平進的實體貨幣的討論與數字貨幣的上升一致。截至2025年，Ripple CLO兼國家加密貨幣協會（NCA）總裁報告說，許多美國人發現加密研究不知所措。 NCA正在努力提供更清晰的加密資源，但是這一轉變可以從便士轉移到更多的美國人邁向數字付款方案嗎？

The Silver Lining (or Copper?)

一線希望（還是銅？）

Before you start hoarding pennies, remember they'll still be legal tender! Plus, who knows? Maybe that random penny in your pocket is one of the rare ones worth thousands. Just remember to look for those special markings! While the coin phase out could cost shoppers roughly $6 million each year, it's a small price to pay for a leaner, more efficient currency system.

在您開始ho積便士之前，請記住它們仍然會是法定招標！另外，誰知道？也許您口袋裡的那一分錢是值得數千美元的稀有零錢之一。只要記住要尋找那些特殊的標記！雖然硬幣階段的淘汰可能每年花費大約600萬美元的購物者，但要支付更精美，更有效的貨幣系統的價格很小。

So, next time you're at the checkout, remember the penny. It had a good run, but like everything else, it's time for a little change. Keep an eye on your totals, and maybe start brushing up on your crypto knowledge – who knows what the future holds!

因此，下次您要結帳時，請記住一分錢。它的運行良好，但是像其他所有事情一樣，是時候進行一些改變了。請密切關注您的總數，也許開始刷新您的加密知識 - 誰知道未來的能力！