2025届高三英语二轮复习培优外刊阅读导学案：美国人也在为养老焦虑（含答案）.docxVIP

2025年

高三英语培优外刊阅读

班级：____________学号：____________姓名：____________

外刊精选｜存够146万美元才敢退休？美国人也在为养老焦虑

最近的一项调查显示，美国人认为较为理想的养老储蓄金额是146万美元。其中，较为年轻的千禧一代给出的数字是165万美元，较为年长的婴儿潮一代是99万美元；而在2020年，他们的预估要低很多，分别是不到100万美元和83万美元。为什么美国人认为需要攒够这么多钱才敢退休？这反映了什么？

TheNewMagicNumberforRetirementIs$1.46Million.HeresWhatItTellsUs.

ByAnneTergesen

Thestockmarketgave401(k)sa19%boostlastyear.Inflationcooled.Still,lotsofpeoplefeelnoclosertohittingtheirmagicnumberforretirement.

Itwouldtake$1.46milliontoretirecomfortably,accordingtoarecentsurveyof4,588adultsbyfinancial-servicescompanyNorthwesternMutual.Thatisupfrom$1.27millionayearago.Andover$1millionmorethantheaveragesurveyparticipantsnestegg.

Therisingmagicnumberrevealsmoreaboutretirementanxietythanretirementplanning,saidTeresaGhilarducci,aneconomistattheNewSchoolforSocialResearchinNewYorkCity.Peopledontreallyknowhowmuchmoneytheywillneedinretirement,andoftenoverestimateit,Ghilarduccisaid.

UnderstandinghowfarretirementsavingswillgoisfurthercomplicatedbytheuncertainfutureofSocialSecurity.Theretirementprogramisprojectedtodepleteitsreservesinadecade,triggeringa23%reductioninbenefitsunlessCongressacts.

Thereisnosinglemagicnumberorformulaforknowingwhenitisfinanciallysafetoretire.Therearerulesofthumbtomeasureyourretirementreadiness.OneshortcutdevisedbyFidelityInvestments,callsforsaving10timesyourannualsalarybyage67.Tohitthosetargets,Fidelityrecommendssavingabout15%ayearstartingatage25.

Peopleoftenendupretiringearlierthanexpected,duetojobchangesorhealthissues.Othersfindtheyalreadyhaveenoughsaved.About35%ofretireesthenonprofitEmployeeBenefitResearchInstitutesurveyedin2023saidtheyretiredsoonerthanplannedbecausetheyfelttheycouldaffordto,downfrom41%in2021.

【词汇过关】

请写出下面文单词在文章中的中文意思。

1.inflation