{"id":270616,"date":"2025-01-02T08:29:46","date_gmt":"2025-01-02T16:29:46","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=270616"},"modified":"2025-01-02T08:30:15","modified_gmt":"2025-01-02T16:30:15","slug":"%e6%96%b0%e5%b9%b4%e9%96%8b%e5%a7%8b%e6%b5%81%e8%a1%8c%e6%96%b0%e8%be%ad%e8%81%b7%e6%a8%a1%e5%bc%8f%e5%be%ae%e9%80%80%e4%bc%91","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2025\/01\/02\/%e6%96%b0%e5%b9%b4%e9%96%8b%e5%a7%8b%e6%b5%81%e8%a1%8c%e6%96%b0%e8%be%ad%e8%81%b7%e6%a8%a1%e5%bc%8f%e5%be%ae%e9%80%80%e4%bc%91\/","title":{"rendered":"\u65b0\u5e74\u958b\u59cb\u6d41\u884c\u65b0\u8fad\u8077\u6a21\u5f0f\u5fae\u9000\u4f11"},"content":{"rendered":"\n<p 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\u5982\u679c\u60a8\u5c0d\u878d\u5a92\u9ad4\u6709\u4efb\u4f55\u5efa\u8b70\u8207\u554f\u984c\uff0c\u6b61\u8fce\u8207\u8001\u4e2d\u65b0\u805e\u5275\u8fa6\u4eba\u4f55\u767e\u934a\u5148\u751f\u76f4\u63a5\u9023\u7d61brian.ho@nwsforchinese.com \u00a0 \u8a18\u8005\/\u570b\u57fa","rel":"","context":"In &quot;\u7126\u9ede\u5831\u5c0e&quot;","block_context":{"text":"\u7126\u9ede\u5831\u5c0e","link":"https:\/\/newsforchinese.com\/v3\/category\/feature\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/02\/nfc.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/02\/nfc.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/02\/nfc.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":145193,"url":"https:\/\/newsforchinese.com\/v3\/2017\/10\/13\/%e8%80%81%e8%80%8c%e4%b8%8d%e4%bc%91%e8%88%87%e4%b8%8d%e6%95%a2%e4%bc%91\/","url_meta":{"origin":270616,"position":2},"title":"\u8001\u800c\u4e0d\u4f11\u8207\u4e0d\u6562\u4f11","author":"Raymond","date":"October 13, 2017","format":false,"excerpt":"\u5982\u679c\u672a\u4f86\u5e7e\u5e74\u9084\u6703\u518d\u770b\u5230\u5df4\u83f2\u7279(Warren Buffett)\u7e7c\u7e8c\u5728\u4ed6\u7684\u5bb6\u9109\uff0c\u4e3b\u6301\u4e00\u5e74\u4e00\u5ea6\u7684Berkshire Hathaway\u80a1\u6771\u5927\u62dc\u62dc\uff0c\u8acb\u4e0d\u8981\u9a5a\u8a1d\uff0c\u56e0\u70ba\u4ed6\u8207\u4ed6\u90a3\u9ad8\u9f61\u8fd1\u767e\u7684\u8001\u5925\u4f34Charlie Munger\uff0c\u53ea\u662f\u4eca\u5e74\u4e94\u6708\u806f\u90a6\u52de\u5de5\u7d71\u8a08\u5c40(Bureau of Labor Statistics, BLS)\u516c\u5e03\uff0c19%\u768465\u6b72\u53ca\u4ee5\u4e0a\u7684\u7406\u8ad6\u9000\u4f11\u65cf\u537b\u9084\u5728\u5de5\u4f5c\u4e2d\u7684\u5169\u54e1\u3002\u7576\u7136\uff0c\u4ed6\u5011\u6bd4\u8a31\u591a\u8fa6\u516c\u5927\u6a13\u88e1\u7684\u767d\u9aee\u84bc\u84bc\u6e05\u6f54\u5de5\u5e78\u904b\u591a\uff0c\u81ea\u5df1\u7684\u4e8b\u696d\uff0c\u53c8\u662f\u8cfa\u5927\u9322\u7684\u4e8b\u696d\uff0c\u611b\u9000\u5c31\u9000\uff0c\u4e0d\u60f3\u9000\u8ab0\u4e5f\u6c92\u8f4d\uff0c\u4f46\u90a3\u8fd1\u5169\u6210\u9084\u5728\u5de5\u4f5c\u7684\u591a\u6578\u4eba\uff0c\u53ef\u80fd\u5c31\u4e0d\u50cf\u4ed6\u5011\u4e00\u6a23\u5c6c\u65bc\u4e0d\u60f3\u9000\uff0c\u800c\u662f\u4e0d\u6562\u9000\u4e86\u3002 \u00a0 \u904e\u4e8665\u6b72\u4ecd\u4e0d\u5f97\u9592\u5730\u5de5\u4f5c\uff0c\u904e\u53bb\u591a\u4ee5\u70ba\u51fa\u73fe\u5728\u9577\u58fd\u7684\u65e5\u672c\uff0c\u800c\u6839\u64da\u4e16\u754c\u5341\u5927\u4fdd\u96aa\u516c\u53f8\u4e4b\u4e00Aegon\u6240\u505a\u7684\u300a2017\u9000\u4f11\u6e96\u5099\u8abf\u7814\u300b(Aegon Retirement Readiness Survey 2017)\uff0c\u65e5\u672c\u671f\u671b70\u6b72\u4ee5\u5f8c\u518d\u9000\u6216\u4e7e\u8106\u4e0d\u9000\u7684\u6bd4\u4f8b\uff0c\u5360\u4e8635%\u7684\u5de5\u4f5c\u4eba\u53e3\uff0c\u4ee5\u70ba\u4e0d\u5047\uff0c\u4f46\u9a5a\u4eba\u7684\u662f\u7b2c\u4e8c\u7684\u7f8e\u570b32%\u3002\u9019\u500b\u9a5a\u4eba\u7684\u5fc3\u8072\u53cd\u6620\u5728\u5275\u4e0b\u7518\u8ffa\u8fea(John F. Kennedy)\u7e3d\u7d71\u4ee5\u4f86\u6700\u9ad8\u7d00\u9304\uff0c\u90a3\u8fd1\u5169\u6210\u7684\u9ad8\u9f61\u5c31\u696d\u7387\u4e0a\u3002\u4e0d\u904e\uff0cBLS\u7684\u7d30\u5206\u7d44\u66f4\u9a5a\u4eba\uff0c\u8aaa\u73fe\u4eca\u7f8e\u570b32%\u768465-69\u6b72\u8005\u9084\u5728\u5de5\u4f5c\uff0c1994\u5e74\u6642\u53ea\u670922%\uff0c\u52302024\u5e74\u6642\uff0c\u9019\u6bd4\u4f8b\u5c07\u6210\u9577\u523036%\u300270-74\u6b72\u8005\u76ee\u524d\u4e5f\u670919%\u7684\u4eba\u5728\u5de5\u4f5c\uff0c1994\u5e74\u6642\u5247\u53ea\u670911%\u3002 \u00a0 \u9ad8\u9f61\u4ecd\u9084\u5de5\u4f5c\u6709\u5f88\u591a\u7406\u7531\uff0c\u4e00\u4e9b\u4eba\u56e0\u70ba\u6bd4\u524d\u5e7e\u4ee3\u4eba\u66f4\u5065\u5eb7\u3001\u58fd\u547d\u66f4\u9577\u4e86\uff0c\u5e0c\u671b\u7528\u5de5\u4f5c\u4f86\u8b49\u660e\u5b58\u5728\u50f9\u503c\uff0c\u6240\u4ee5\u6c7a\u5b9a\u4e0d\u5b8c\u5168\u9000\u4f11\uff0c\u4e5f\u6216\u8a31\u56e0\u70ba\u6709\u4f7f\u547d\u611f\uff0c\u5982\u540c\u5df4\u83f2\u7279\u4e4b\u65bc\u4ed6\u7684\u516c\u53f8\uff0c\u4f46\u9019\u4e9b\u4eba\u591a\u5c6c\u9ad8\u968e\u7ba1\u7406\u6216\u5c08\u696d\u8077\u52d9\uff0c\u5de5\u4f5c\u662f\u70ba\u4e86\u8b93\u751f\u547d\u5145\u6eff\u6210\u5c31\u611f\uff0c\u5c6c\u300c\u8001\u800c\u4e0d\u4f11\u300d\u8005\uff0c\u9664\u6b64\u4e4b\u5916\uff0c\u591a\u662f\u300c\u8001\u800c\u4e0d\u6562\u4f11\u300d\u65cf\u7fa4\u3002\u975e\u725f\u5229\u7d44\u7e54\u54e1\u5de5\u798f\u5229\u7814\u7a76\u6240(Employer Benefit Research Institute, EBRI)\uff0c\u4e00\u4efd\u6700\u65b0\u7684\u9000\u4f11\u4fe1\u5fc3\u8abf\u7814\u6307\u51fa\uff0c\u56db\u5206\u4e4b\u4e00\u591a\u768455\u6b72\u53ca\u4ee5\u4e0a\u5de5\u4f5c\u8005\u8aaa\uff0c\u4ed6\u5011\u7684\u5b58\u6b3e\u6216\u6295\u8cc7\u5c11\u65bc\u4e00\u842c\u5143\uff0c\u56e0\u6b64\u90a3\u500b\u5e74\u9f61\u7d44\u7684\u4eba\uff0c\u6709\u8fd1\u4e09\u5206\u4e4b\u4e00\u8aaa\u4ed6\u5011\u5982\u679c\u8981\u5b8c\u5168\u9000\u4f11\u7684\u8a71\uff0c\u53ef\u80fd\u8981\u7b49\u4e03\u5341\u6b72\u4ee5\u5f8c\u3002\u5c0d\u7167BLS\u6578\u64da\uff0c\u53ef\u771f\u5beb\u5be6\u3002\u6c92\u9322\uff0c\u8ac7\u4ec0\u9ebc\u9000\u4f11\uff0c\u9019\u624d\u662f\u8d64\u88f8\u88f8\u7684\u8001\u800c\u4e0d\u6562\u4f11\u3002 \u00a0 \u8001\u800c\u4e0d\u6562\u4f11\u65cf\u7fa4\u7684\u7a4d\u6975\u6027\u53ef\u5f9e\u4e15\u5c24\u7814\u7a76\u4e2d\u5fc3\u53bb\u5e74\u4e00\u4efd\u5831\u544a\u770b\u51fa\u4f86\uff0c\u5728\u90a3\u4efd\u540d\u70ba\u300a\u8d8a\u4f86\u8d8a\u591a\u7f8e\u570b\u9ad8\u9f61\u8005\u5728\u5de5\u4f5c\uff0c\u4e14\u6bd4\u904e\u53bb\u9084\u5de5\u4f5c\u5f97\u66f4\u591a\u300b(More older Americans are working, and working more, than they used to)\u4e2d\uff0c\u505a\u4e86\u4e00\u500b\u7d93\u6fdf\u5927\u8870\u9000\u5e74\u9f61\u5c64\u627e\u5de5\u4f5c\u5c0d\u6bd4\uff0c\u4ee5\u767c\u751f\u524d\u5915\u76842007\u5e745\u6708\u505a\u57fa\u6e96\uff0c\u767c\u73fe\u5728\u5927\u8870\u9000\u671f\u9593\u76842007\u5e74\u5e95\u52302009\u5e74\u4e2d\uff0c65\u6b72\u4ee5\u4e0a\u9084\u5728\u5de5\u4f5c\u7684\u6bd4\u4f8b\u8b8a\u5316\u4e0d\u5927\uff0c\u751a\u81f3\u5fae\u589e\uff0c\u4f4625-54\u6b72\u9593\u7684\u8870\u9000\u5c31\u5f88\u5287\u70c8\uff0c\u96d6\u7136\u4e4b\u5f8c\u96a8\u8457\u7d93\u6fdf\u5fa9\u7526\uff0c\u5728\u8077\u8005\u6bd4\u4f8b\u9010\u5e74\u589e\u52a0\uff0c\u4f46\u8207\u90a3\u57fa\u6e96\u9ede\u76f8\u6bd4\u4ecd\u662f\u8ca0\u6578\u300265\u6b72\u4ee5\u4e0a\u8005\u4e0d\u540c\u4e86\uff0c\u4e0d\u4f46\u6574\u9ad4\u8da8\u52e2\u662f\u6b63\u9762\uff0c\u751a\u81f3\u52302016\u5e745\u6708\uff0c70-74\u6b72\u5e74\u9f61\u5c64\u4ecd\u4ee53%\u9ad8\u5c45\u699c\u9996\uff0c\u6700\u60b2\u6158\u7684\u5247\u662f45-54\u6b72\u7684-2.4%\u3002 \u00a0 \u6574\u9ad4\u4f86\u8aaa\uff0c\u9280\u9aee\u65cf\u5c0d\u5de5\u4f5c\u5f88\u73cd\u60dc\uff0c\u6240\u4ee5\u4e0d\u7ba1\u662f\u5168\u8077\u6216\u517c\u8077\uff0c\u80fd\u6709\u4efd\u8077\u5927\u90fd\u611f\u5230\u5e78\u904b\uff0c\u56e0\u70ba\u8a31\u591a\u60f3\u8981\u5de5\u4f5c\u7684\u9280\u9aee\u6c42\u8077\u8005\uff0c\u627e\u8d77\u4f86\u5f88\u4e0d\u8f15\u9b06\u3002\u4ed6\u5011\u4e0d\u662f\u7f3a\u4e4f\u6280\u80fd\uff0c\u5c31\u662f\u96c7\u4e3b\u7e3d\u662f\u5e0c\u671b\u627e\u5e74\u8f15\u4eba\u3002\u56db\u6708\u4efd\uff0c65\u6b72\u4ee5\u4e0a\u52de\u5de5\u5931\u696d\u7387\u90543.7%\uff0c\u96d6\u7136\u6bd4\u5e74\u521d\u6642\u7a0d\u4f4e\u4e9b\uff0c\u4f46\u9084\u662f\u9ad8\u65bc\u904e\u53bb\u4e09\u5341\u5e74\u7684\u4e2d\u4f4d\u6578\u3002\u7d10\u7d04\u5e02\u7acb\u5927\u5b78\u793e\u6703\u5b78\u6559\u6388Ruth Milkman\u8aaa\uff1a\u300c\u56fa\u7136\u6cd5\u5f8b\u7981\u6b62\u5e74\u9f61\u6b67\u8996\u5df2\u4e94\u5341\u5e74\u4e86\uff0c\u96c7\u4e3b\u5011\u4ecd\u820a\u628a\u96c7\u7528\u9ad8\u9f61\u54e1\u5de5\u7576\u6210\u4e00\u7a2e\u8cac\u4efb\u3002\u300d\u7576\u6210\u8cac\u4efb\u7576\u7136\u5c31\u5bb9\u6613\u611f\u5230\u8ca0\u64d4\uff0c\u96e3\u602a\u9280\u9aee\u6c42\u8077\u8005\u7e3d\u6703\u9047\u5230\u9ad8\u6df1\u83ab\u6e2c\u7684\u672a\u9304\u53d6\u7406\u7531\uff0c\u4e5f\u56e0\u6b64\u591a\u6578\u88ab\u8feb\u627e\u517c\u5dee\u5de5\u4f5c\uff0c\u6216\u662f\u53bb\u7576\u7368\u7acb\u627f\u5305\u5546\u3002 \u00a0 \u7368\u7acb\u627f\u5305\u5546\u8aaa\u767d\u4e86\u5c31\u662f\u81ea\u96c7\uff0c\u9664\u975e\u540d\u982d\u5f88\u97ff\u4eae\uff0c\u5426\u5247\u6536\u5165\u5927\u591a\u53ea\u80fd\u7576\u8cbc\u88dc\u5bb6\u7528\uff0c\u9000\u4f11\u57fa\u91d1\u9760\u5b83\uff0c\u5f88\u96e3\u3002\u7f8e\u570b\u6700\u5927\u7684\u7d93\u6fdf\u7814\u7a76\u7d44\u7e54\u5168\u570b\u7d93\u6fdf\u7814\u7a76\u6240(National Bureau of 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