Are you saving too much for retirement? Can you believe I'm even asking that question?

你的养老金是不是存得太多了？或者你认为这个问题本身就很无厘头？

Full disclosure: The folks at Morningstar Investment Management, specifically head of retirement research David Blanchett, asked it first. He found that for many people the answer is yes -- by an average of 20%. That, as Blanchett acknowledges, is a big deal. "Retirement is, by and large, the most expensive purchase of anyone's lifetime," he says. "For people who think they need $1 million but find they only need $800,000, it is a big difference."

而事实是这样的：晨星投资管理公司（Morningstar Investment Management）退休研究部主管大卫?布兰切特率先提出了这个问题，而且他发现， 20%左右的人对这个问题的回答是肯定的。布兰切特认为情况有些严重，他说：“养老储蓄金毫无疑问是大多数人人生最大的一笔投入。但想象和现实差距很大，人们以为自己需要存上100万美元来养老，实际上只要80万就够了。”

So how do you figure out whether it applies to you? You have to take a step back and look at both the retirement saving goals you've set for yourself and your current spending.

那么，这种情况是否也出现在你身上？大家最好还是重新审视一下自己的养老储蓄计划，以及目前的开销。

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