在50歲及以上的成年人中，有三分之一的人不準備退休

在50歲及以上的成年人中，有三分之一的人不準備退休

You can retire on just $30,000 a year at these destinations outside of the U.S.

你可以在美國以外的這些地方退休，每年只需3萬美元

Retirement can be one of the happiest stages of your life, but it can also be one of the most stressful if you're not prepared for it.

退休可能是你人生中最快樂的階段之一，但如果你沒有做好準備，它也可能是你壓力最大的階段之一。

Nearly a third of adults age 50 and over admit they're not prepared for retirement, according to a poll from the Associated Press-NORC Center for Public Affairs Research. In addition, another 39% of older adults say they're only somewhat prepared for retirement, and just 29% feel very prepared. In other words, the vast majority of older workers aren't doing enough to prepare themselves for their golden years.

美聯(lián)社公共事務(wù)研究中心(Associated Press-NORC Center for Public Affairs Research)的一項民調(diào)顯示，近三分之一50歲及以上的成年人承認，他們還沒有為退休做好準備。此外，另有39%的老年人表示，他們對退休只有一定程度的準備，只有29%的人感到非常有準備。換句話說，絕大多數(shù)老員工沒有為自己的黃金歲月做足夠的準備。

If you aren't prepared for retirement, the sooner you make adjustments to start catching up, the better. Wait too long and it may be nearly impossible to save as much as you need. The first step to catching up is to figure out whether you're on track for retirement, and if not, what you need to do to get back on the right path.

如果你還沒有為退休做好準備，那么你越早做出調(diào)整來迎頭趕上，效果就越好。等待太久，可能幾乎不可能存夠你需要的錢。迎頭趕上的第一步是弄清楚你是否正在步入退休的軌道，如果沒有，你需要做些什么才能回到正確的道路上。

How to tell whether you're prepared for retirement

如何判斷你是否為退休做好了準備

It's tough to tell whether you're on track to retire comfortably, especially if you still have a couple of decades left before you can even think about leaving your job. Before you can tell whether you're on track, though, you need to have a saving goal.

很難說你是否正步入舒適退休的軌道，尤其是如果你在考慮辭職之前還有幾十年時間的話。不過，在你能判斷自己是否步入正軌之前，你需要有一個儲蓄目標。

Your retirement number, or the amount you need to have saved by the time you retire, will depend on the lifestyle you expect to live in retirement. Everyone's situation is different, so how much you need to retire will likely differ from what your friends, family or co-workers need. One of the simplest ways to estimate your retirement number is to use a retirement calculator. Of course, no calculation will be able to tell you with 100% accuracy how much you'll need to last through your golden years, but getting an accurate estimate is better than winging it and hoping for the best.

你的退休金，或你退休時需要儲蓄的金額，將取決于你期望的退休生活方式。每個人的情況都不一樣，所以你需要退休的時間可能與你的朋友、家人或同事需要的時間不同。估計退休金最簡單的方法之一是使用退休計算器。當然，沒有任何計算能夠100%準確地告訴你，你需要多少錢來度過你的黃金歲月，但得到一個準確的估計總比胡思亂想、抱著最好的希望要好。

When you input your information into the calculator, the more accurate your numbers are, the more accurate your results will be. You'll likely be asked information like what age you plan to retire, how many years you plan to spend in retirement, and how much you'll need each year to cover all your expenses. Rather than guessing at this information, really think about the answers. For example, have you given any thought to your life expectancy? It's not the most pleasant thought, of course, but if you end up living longer than you'd planned, there's a good chance you'll outlive your savings.

當你把你的信息輸入計算器時，你的數(shù)字越準確，你的結(jié)果就會越準確。你可能會被問到你計劃退休的年齡，你計劃退休多少年，你每年需要多少錢來支付所有的開支。與其猜測這些信息，不如認真思考答案。例如，你有沒有想過你的預期壽命?當然，這并不是最令人愉快的想法，但如果你最終的壽命超過了你的計劃，你很有可能會比你的存款活得更長。

Once you've calculated your retirement number, take a look at your current savings to see how they fare. Many calculators will give you an idea of what you should be saving each month to reach your goal, which can help you figure out whether you're on track. If you're currently saving $200 a month, for instance, but the calculator says you need to start saving $600 per month to reach your goal, you know what you need to do to get back on track.

一旦你計算了你的退休人數(shù)，看看你現(xiàn)在的儲蓄，看看他們的表現(xiàn)如何。很多計算器會告訴你每個月應(yīng)該存多少錢來達到你的目標，這可以幫助你確定你是否在正確的軌道上。例如，如果你現(xiàn)在每月儲蓄200美元，但是計算器說你需要開始每月儲蓄600美元來達到你的目標，你知道你需要做什么來回到正軌。