养老金阴谋:你给退休存的钱可能太多了

But higher earners -- particularly those who earn more than the median income but below what the country considers wealthy -- should be cautious before taking their feet off the gas. Their spending actually declines in retirement -- but that still doesn't mean they'll have saved enough to cover it.
但收入更高的人群，尤其是高于平均水平，但称不上富豪的那些人，在决定养老储蓄时不能掉以轻心。他们退休后的开支当然会较之退休前减少，但这并不意味着他们的储蓄足以维持这些开支。

"Having to save more is an affluent problem," Falcon says. And here's why: "If I make $200,000 to $300,000 a year, I'm probably spending a lower percentage of my gross income pre-retirement because of saving and taxes," Falcon says. "I may be spending only 50% of my gross salary." Still, because of the higher take-home, Social Security will not replace the same percentage of pre-retirement income. And taxes -- including those on withdrawals from retirement accounts -- will take a bigger bite.
法尔孔说：“多攒钱是‘富人’不得不面对的问题。”他的解释是：“如果我一年能挣20万到30万美元，那么在退休前，我的开销可能是收入中较小的一部分，因为我得存钱，还得交税。我大概只会花掉总收入的50%。”而由于扣除各种费用后的实际收入更高，社会保险所能承担的退休后开支占退休前收入的比例也无法达到与较低收入人群相同的比例。而税款也是很大一笔开支，包括从退休账户取款需要缴纳的税款。

Of course it pays to figure out if indeed you're over-saving. That would free you up to use the money in the present, whether you put it toward defraying student loan debt for your kids or enjoying yourselves. Blanchett recommends a personal touch. "Nothing can substitute for spending five hours with a CFP," he says. "But the percent of the population that will do that ... is a definite minority." For people who are not going to engage, utilizing the online tools and retirement calculators available is a step in the right direction.
当然，确定自己是否过度储蓄是明智之举。这样的话，你就不会在当下急需开支时瞻前顾后。比如，你可以把一部分储蓄用来替孩子还掉助学贷款，也可以把它用于休闲娱乐。布兰切特给出了一条私人建议：“和金融理财师交流5小时绝对有必要。遗憾的是，很少有人这么做。”如果你不想聘请理财师，利用网络工具和退休计算器也不失为明智的做法。

And remember, one thing this paper shows is that this is not a one-and-done experience. Your spending is not static. Neither is your health, earning potential, or -- even further from your control -- the sequence of your investment returns. Even if you've set retirement goals and are working toward them, revisiting the process every couple of years will pay off. Not just in how you're able to live in the long run, but in how you're able to live today.
另外，请记住，这篇文章要说明的道理之一是，制定退休储蓄计划不是一劳永逸的事。你的花销并不是一成不变，同样，你的健康状况、赚钱能力以及你的投资回报顺序也不是一成不变的，未来它们甚至会失去控制。即使你已设定了退休目标，而且正在为之奋斗，每隔几年重新评估一下也是相当重要的。这样做不仅有益于未来的生活，也有助于过好当前的生活。