美国人，杂货成本以及伟大的硬币阶段：您准备好了吗？

在结帐时准备好重大！一分钱的日子是编号，您的杂货账单可能会感到捏。这是硬币如何影响美国人的低点。

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

美国人，杂货成本以及伟大的硬币阶段：您准备好了吗？

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，伙计们！更改即将到来 - 在杂货店可能会花费您一些额外的费用。一分钱是美国口袋里的固定装置已有两个多世纪了，正面临着暮光之城。随着美国政府对一分钱的生产停顿，现在该谈论这种“硬币逐步淘汰”对您的钱包意味着什么了。

The Penny's Last Stand: Why Now?

一分钱的最后一站：为什么现在？

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.

面对现实吧，一分钱还没有拉起重量。铸造这些小铜镀锌圆盘的成本高于其面值。根据美国造币厂的2024年年度报告，制造一张价格为3.69美分！特朗普前总统甚至称其为“浪费”。财政部在2024年5月为Penny Blanks下达了最终订单，生产可能会在2025年初停止。

The Rounding Game: How It Affects Your Grocery Bill

四舍五入游戏：它如何影响您的杂货账单

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.

那么，当一分钱从薄荷中消失时会发生什么？现金交易可能会四舍五入到最近的镍。里士满联邦储备银行说，以1、2、6或7美分结束的购买将被抛弃。以3、4、8或9美分结尾的购买被舍入。虽然这似乎可以忽略不计，但这种“舍入税”可能每年造成600万美元的损失。

Beyond the Penny: Crypto on the Horizon?

超越一分钱：地平线加密？

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，有关相平进的实体货币的讨论与数字货币的上升相吻合。截至2025年，Ripple CLO兼国家加密货币协会（NCA）总裁报告说，许多美国人发现加密研究不知所措。 NCA正在努力提供更清晰的加密资源，但是这一转变可以从便士转移到更多的美国人迈向数字付款方案吗？

The Silver Lining (or Copper?)

一线希望（还是铜？）

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.

在您开始ho积便士之前，请记住它们仍然会是法定招标！另外，谁知道？也许您口袋里的那一分钱是值得数千美元的稀有零钱之一。只要记住要寻找那些特殊的标记！虽然硬币阶段的淘汰可能每年花费大约600万美元的购物者，但要支付更精美，更有效的货币系统的价格很小。

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，下次您要结帐时，请记住一分钱。它的运行良好，但是像其他所有事情一样，是时候进行一些改变了。请密切关注您的总数，也许开始刷新您的加密知识 - 谁知道未来的能力！