6条聪明的理财省钱建议_BEC初级作文

6条聪明的理财省钱建议

华盛顿智库员工福利研究所(Employee Benefit Research Institute)说，处于工作年龄的美国人仅有42%曾经尝试过计算退休后需要多少钱。

The grim reality: 60% of them have less than $25,000 saved up, excluding the value of their home, and 30% have less than $1,000. Good luck with that.

严峻的现实是：其中60%的人储蓄不到2.5万美元（不含房屋价值），30%的人储蓄不到1,000美元。祝你好运。

How much will you need? To replace your current income for 30 years, you would need -- assuming an investment return of three percentage points above inflation -- about 20 times one year's income. Social Security aims to replace about 40% of your annual income: By that yardstick you would need to save about 12 times your annual income before you retire.

你需要多少钱养老？按照你目前的收入水平，退休后再活30年，你需要的资金大概是一年收入的20倍（假设投资收益率比通胀率高三个百分点）。社会保障金大致相当于你年收入的40%。按照这一标准衡量，你在退休前的储蓄量应该约为你年收入的12倍。

For a more precise number, use the Social Security Administration's retirement estimator. Subtract your expected annual benefit from your current yearly pay, and multiply by 20. 想要知道一个更精确的数字，可以使用社会安全局(Social Security Administration)提供的退休评估器。从你目前的年薪中减去你预期能领取的年度福利金，将差值乘以20就是退休后需要的资金。