學會愛你的硬幣。

這就是Coinstar首席執行官Kevin McColly的信息，Coinstar的首席執行官是您在超市中看到的那些鑄造機器背後的公司。

American consumers are making only 16% of their payments in cash and two-fifths never use cash at all, according to the Federal Reserve and a 2022 Pew survey, respectively.

根據美聯儲和2022 Pew調查，美國消費者僅以現金付款的16％，而五分之二從未使用現金。

President Donald Trump has ordered the Treasury to stop minting pennies because their production cost exceeds their value. The same is true of nickels, according to the Federal Reserve.

唐納德·特朗普總統已命令財政部停止鑄造便士，因為他們的生產成本超過了其價值。據美聯儲稱，鎳也是如此。

But many Americans regard both nickels and pennies more as nuisances than as currency. The typical household is sitting on $60 to $90 in neglected coins, enough to fill one or two pint-size beer mugs, according to the Federal Reserve. Americans throw away millions of dollars in coins every year, literally treating them like trash.

但是，許多美國人認為鎳和便士比貨幣更為令人討厭。據美聯儲稱，這家典型的家庭坐落在60至90美元的被忽視的硬幣上，足以填充一兩個品脫大小的啤酒杯。美國人每年扔掉數百萬美元的硬幣，從字面上看他們像垃圾一樣對待。

Kevin McColly, CEO of Coinstar, thinks we should change the way we think about coins.

Coinstar首席執行官Kevin McColly認為我們應該改變對硬幣的看法。

“Learn to love your coins. They’re metal. They have a long and useful life,” McColly told Real Money.

“學會愛你的硬幣。它們是金屬。他們有漫長而有用的生活，”麥考莉告訴《真錢》。

To state the obvious, coins are worth money. Coinstar converts $3 billion in coins into spendable cash every year, one coin jar at a time. The average jar yields $58 in buying power.

要陳述顯而易見的硬幣是值得的。 Coinstar每年將30億美元的硬幣轉換為可支出的現金，一次一個硬幣罐。平均罐子的購買力為58美元。

Most of us don’t realize how much our coins are worth. Thus, a trip to a coin-exchange kiosk (or a bank, or credit union) can yield a pleasant surprise.

我們大多數人都沒有意識到我們的硬幣值多少。因此，前往硬幣交換亭（或銀行或信用合作社）的旅行可能會帶來驚喜。

“People underestimate the value of their jar by about half. It’s a wonderfully pleasurable experience. People have this sensation of found money,” McColly said.

麥考莉說：“人們低估了罐子的價值大約一半。這是一次非常愉快的經歷。人們對找到的錢有這種感覺。”

Certain groups of Americans – lower-income households, and those over 55 – still use plenty of cash, the Fed found, along with people who prefer to shop in person.

美聯儲發現的某些美國人 - 低收入家庭和55歲以上的家庭仍然使用大量現金，以及喜歡親自購物的人。

As for the rest of us, McColly thinks it is time for a paradigm shift. Don’t think of your coins as clutter. Think of them as recyclables.

至於我們其他人，麥考莉認為是時候進行範式轉變了。不要將您的硬幣視為混亂。將它們視為可回收物。

“They’re metal. And they have a long and useful life.”

“它們是金屬。而且他們有漫長而有用的生活。”

The Treasury still mints more than 5 billion coins a year, although the figure is dropping, according to the journal CoinNews.

據Coinnews雜誌報導，儘管這一數字正在下降，但財政部仍然每年造成超過50億個硬幣。

“Those are just natural resources coming out of the Earth.” Copper-plated zinc for pennies, copper-nickel alloys for nickels, dimes and quarters.

“這些只是從地球上浮出水面的自然資源。”銅鍍鋅，用於便士，銅尼克合金，用於鎳，一角錢和宿舍。

His point: If Americans got serious about gathering up their idle coins and “recycling” them into the monetary system, the Mint wouldn’t have to make so many new ones.

他的觀點是：如果美國人認真考慮收集閒置硬幣並“回收”貨幣體系，那麼薄荷就不必製造這麼多新的。

Granted, McColly has a vested interest. His company collects a small cut of the coins that consumers deposit.

當然，麥考莉有既得利益。他的公司收集了消費者存入的一小件硬幣。

“You can go to your own bank or credit union and not pay any fee,” said Kimberly Palmer, personal finance expert at NerdWallet. Both NerdWallet and Bankrate offer tip sheets on exchanging coins for cash. Most banks will take an account holder's coins for free, Bankrate reports, but not all, and you may need to roll the coins yourself.

Nerdwallet的個人理財專家金伯利·帕爾默（Kimberly Palmer）說：“您可以去自己的銀行或信用合作社，而不必支付任何費用。” Nerdwallet和Bankrate都提供交換硬幣現金的小費表。大多數銀行將免費提供帳戶持有人的硬幣，但不是全部，您可能需要自己捲起硬幣。

“I think that a lot of people probably do have hidden coins stashed around their home, and it can be worth their time to go and collect them,” Palmer said.

帕爾默說：“我認為很多人可能確實隱藏著藏在他們家中的硬幣，值得他們去收集它們。”

McColly notes that Coinstar generally waives its fee if the depositor chooses to trade in coins for a retail gift card, rather than cash.

麥考莉指出，如果存款人選擇用硬幣交易零售禮品卡，而不是現金，則Coinstar通常會免除其費用。

He is not alone in forecasting a future for the penny, the nickel, and their more profitable kin.

他並不孤單地預測一分錢，鎳和他們更有利可圖的親戚的未來。

“We’ve been much slower than parts of Europe and Asia to adopt mobile payments and contactless credit cards,” said Ted Rossman, a senior industry analyst at Bankrate.

Bankrate的高級行業分析師Ted Rossman說：“我們比歐洲和亞洲的部分地區要慢得多，以採用移動付款和非接觸式信用卡。”

The pandemic delivered a timely reminder of how much we still rely on cash: Consumers and business owners sat on their coins amid a global shutdown, seeding an actual coin shortage.

大流行及時提醒了我們仍然依賴現金：消費者和企業主在全球關閉中坐在硬幣上，播種了實際的硬幣短缺。

“It kind of froze the whole system,” Rossman said.

羅斯曼說：“這凍結了整個系統。”

While Trump has only instructed the Mint to stop making pennies, some voices have urged America to stop using them.

儘管特朗普只指示造幣廠停止賺錢，但一些聲音敦促美國停止使用它們。

The Common Cents Act, introduced on April 30 by a bipartisan group of lawmakers, would round cash transactions to the nearest five cents.

兩黨議員團體於4月30日提出的《普通美分法》將把現金交易匯總到最近的五美分。

“The penny is outdated and inefficient and no longer serves the needs of our economy,” said Sen. Kirsten Gillibrand, the New York Democrat.

紐約民主黨人參議員基爾斯頓·吉利布蘭德（Kirsten Gillibrand）說：“一分錢過時，不再滿足我們經濟的需求。”

But the bill could push the nation down a slippery slope.

但是該法案可能會將國家推向濕滑的斜坡。

“So, You Want to Get Rid of the Penny. Do You Have a Plan for the Nickel?” the New York Times asked recently in a headline.

“所以，你想擺脫一分錢。你有鎳的計劃嗎？” 《紐約時報》最近在標題中問。

As it turns out, nixing the penny creates new problems. If America rids itself of pennies, the nation will soon find itself flooded with nickels.

事實證明，一分錢會帶來新的問題。如果美國擺脫了便士，這個國家很快就會發現自己被鎳淹沒了。

The government loses nearly three cents on every penny it mints. On a nickel, it loses nearly nine cents. More nickels would mean steeper losses.

政府在每一分錢上都損失了近三分錢。在鎳上，它損失了近9美分。更多的鎳將意味著更陡峭的損失。

America could kill both the penny and the nickel, the two money-losers on its roster of coins.

美國可以殺死一分錢和鎳，這是其硬幣花名冊上的兩個失利者。

But without pennies or nickels, how would a consumer pay a 15-cent tab?

但是，如果沒有便士或鎳，消費者將如何支付15美分的標籤？

You could round every price to the

您可以將每個價格匯總到