If you think the jobs crisis is bad, look at the looming retirement crisis.

如果你觉得就业危机已经很糟糕了，那么看看正在逼近的退休危机吧。

Social Security and Medicare, most agree, are on unsustainable fiscal ground. Taxes will have to be raised, and spending reined in, to ensure the systems stay solvent. This is a major item on your to-do list.

美国社会保障体系和联邦医疗保险在财政上具有不可持续性，大部分人都同意这点。因此政府不得不提高税收，控制支出，确保这两者不至于债台高筑到无力偿还的地步。这是你“待办事项清单上的一个主要项目。

But here's the problem. There's only so much you can cut, because 80 million baby boomers are starting to retire─and very few of them are prepared. According to the latest survey by the Employee Benefit Research Institute, an independent think tank, 'a sizable percentage of workers have virtually no money in savings and investments.'

但问题是，你能削减的支出也就那么多。因为8,000万婴儿潮时期出生的人即将进入退休年龄，而他们中做好了退休准备的人寥寥无几。据独立智库雇员福利研究中心(Employee Benefit Research Institute)最新的调查显示，有相当一部分的劳动者几乎没有任何存款或投资。

Sixty percent of all workers surveyed have less than $25,000 in savings and investments, and 30% have less than $1,000. The figures for boomers - those over 45 - are better, but not by a lot.

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