2022 Text 2（英语二）“不退休”的晚年生活

More Americans are opting to work well into retirement, a growing trend that threatens to upend the old workforce model.

越来越多的美国人选择在退休后好好工作，这一日益增长的趋势有可能颠覆旧的劳动力模式。

One in three Americans who are at least 40 have or plan to have a job in retirement to prepare for a longer life, according to a survey conducted by Harris Poll for TD Ameritrade.

根据 Harris Poll 为 TD Ameritrade 进行的一项调查，在至少 40 岁的美国人中，有三分之一的人已经或计划在退休后有一份工作，以便为更长远的生活做准备。

Even more surprising is that more than half of "unretirees" — those who plan to work in retirement or went back to work after retiring — said they would be employed in their later years even if they had enough money to settle down, the survey showed.

调查显示，更令人惊讶的是，超过一半的 “未退休者”——那些计划退休后仍工作或退休后重返工作岗位的人——表示，即使他们有足够的钱安顿下来，他们也会在晚年就业。

Financial needs aren't the only culprit for the "unretirement" trend.

经济需求并不是 “不退休” 趋势的唯一罪魁祸首。

Other reasons, according to the study, include personal fulfillment such as staying mentally fit, preventing boredom or avoiding depression.

根据这项研究，其他原因包括个人成就感，如保持精神健康、防止无聊或避免抑郁。

About 72% of "unretire" respondents said that they would return to work once retired to keep mentally fit while 59% said it would be tied to making ends meet.

大约 72% 的 “未退休” 受访者表示，一旦退休，他们将重返工作岗位，以保持精神健康，而 59% 的受访者表示，这将与收支平衡挂钩。

"The concept of retirement is evolving," said Christine Russell, senior manager of retirement at TD Ameritrade. "It's not just about finances. The value of work is also driving folks to continue working past retirement."

“退休的概念正在演变，” TD Ameritrade 公司退休事务高级经理 Christine Russell 说。“这不仅仅是财务的问题。工作的价值也在推动人们在退休后继续工作。”

One reason for the change in retirement patterns: Americans are living longer.

退休模式改变的一个原因是：美国人寿命更长了。

The share of the population 65 and older was 16% in 2018, up 3.2% from the prior year, according to the US Census Bureau.

根据美国人口普查局的数据，2018 年 65 岁及以上人口的比例为 16%，比前一年上升了 3.2%。

That's also up 30.2% since 2010.

自 2010 年以来，这一数字也上升了 30.2%。

Because of longer life spans, Americans are also boosting their savings to preserve their nest eggs, the TD Ameritrade study showed, which surveyed 2000 adults between 40 to 79.

TD Ameritrade 的研究显示，由于寿命延长，美国人也在增加储蓄来保持自己的 “存粮”，该研究调查了 2000 名 40 至 79 岁的成年人。

Six in 10 "unretirees" are increasing their savings in anticipation of a longer life, according to the survey.

根据调查，十分之六的 “未退休者” 正在增加储蓄，以期待更长的寿命。

Among the most popular ways they are doing this, the company said, is by reducing their overall expenses, securing life insurance or maximizing their contributions to retirement accounts.

该公司表示，他们这样做最受欢迎的方式之一是减少总体支出、获得人寿保险或最大限度地提高退休账户的缴款。

Unfortunately, many people who are opting to work in retirement are preparing to do so because they are worried about making ends meet in their later years, said Brent Weiss, a co-founder at Baltimore-based financial-planning firm Facet Wealth.

巴尔的摩金融规划公司 Facet Wealth 的联合创始人布伦特·韦斯说，不幸的是，许多选择退休后工作的人正准备这样做，因为他们担心晚年收支平衡。

He suggested that preretirees should speak with a financial adviser to set long-term financial goals.

他建议退休前人员应该与财务顾问交谈，以设定长期财务目标。

"The most challenging moments in life are getting married, starting a family and ultimately retiring," Facet Wealth cofounder Brent Weiss told USA Today.

“生活中最具挑战性的时刻是结婚、成家和最终退休，” Facet Wealth 联合创始人布伦特·韦斯告诉《今日美国》。

"It's not just a financial decision, but an emotional one. Many people believe they can't retire."

“这不仅仅是一个财务决定，而是一个情感决定。许多人认为他们不能退休。”