在50岁及以上的成年人中，有三分之一的人不准备退休

在50岁及以上的成年人中，有三分之一的人不准备退休

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

你可以在美国以外的这些地方退休，每年只需3万美元

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乐的阶段之一，但如果你没有做好准备，它也可能是你压力最大的阶段之一。

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.

美联社公共事务研究中心(Associated Press-NORC Center for Public Affairs Research)的一项民调显示，近三分之一50岁及以上的成年人承认，他们还没有为退休做好准备。此外，另有39%的老年人表示，他们对退休只有一定程度的准备，只有29%的人感到非常有准备。换句话说，绝大多数老员工没有为自己的黄金岁月做足够的准备。

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.

如果你还没有为退休做好准备，那么你越早做出调整来迎头赶上，效果就越好。等待太久，可能几乎不可能存够你需要的钱。迎头赶上的第一步是弄清楚你是否正在步入退休的轨道，如果没有，你需要做些什么才能回到正确的道路上。

How to tell whether you're prepared for retirement

如何判断你是否为退休做好了准备

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.

很难说你是否正步入舒适退休的轨道，尤其是如果你在考虑辞职之前还有几十年时间的话。不过，在你能判断自己是否步入正轨之前，你需要有一个储蓄目标。

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，或你退休时需要储蓄的金额，将取决于你期望的退休生活方式。每个人的情况都不一样，所以你需要退休的时间可能与你的朋友、家人或同事需要的时间不同。估计退休金最简单的方法之一是使用退休计算器。当然，没有任何计算能够100%准确地告诉你，你需要多少钱来度过你的黄金岁月，但得到一个准确的估计总比胡思乱想、抱着最好的希望要好。

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.

当你把你的信息输入计算器时，你的数字越准确，你的结果就会越准确。你可能会被问到你计划退休的年龄，你计划退休多少年，你每年需要多少钱来支付所有的开支。与其猜测这些信息，不如认真思考答案。例如，你有没有想过你的预期寿命?当然，这并不是最令人愉快的想法，但如果你最终的寿命超过了你的计划，你很有可能会比你的存款活得更长。

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.

一旦你计算了你的退休人数，看看你现在的储蓄，看看他们的表现如何。很多计算器会告诉你每个月应该存多少钱来达到你的目标，这可以帮助你确定你是否在正确的轨道上。例如，如果你现在每月储蓄200美元，但是计算器说你需要开始每月储蓄600美元来达到你的目标，你知道你需要做什么来回到正轨。