哈佛学者:晚点退休才是聪明人
虎年到来,许多人都希望早点财富自由,早点退休。但哈佛大学经济学博士Laurence J.Kotlikoff认为,对多数没有储蓄习惯的美国人而言,就财务现实面,晚点退休才是安全、睿智的选择,“提早退休”是错误的金钱观,“你会后悔的”。
Laurence J.Kotlikoff在CNBC发表评论,他说以婴儿潮一代为例,1946年至1964年间出生的7600万美国人口,正在成群结队离开职场,这些美国人将近一半没有任何积蓄,财富中位数仅为14.4万美元,不到3年的家庭支出中位数。
Kotlikoff指出,这群人除社会保障外,不到三分之一的人拥有养老金。
至于那些有养老金的人,许多人在州和地方政府工作,这些工作也不在社会保障范围内。
更糟糕的是,由于社会保障部门的意外之财消除和政府养老金抵消规定,领取此类养老金的人可能会失去大部份或全部社会保障福利。
Kotlikoff直言,“我们都没有储蓄习惯,无法负担提前退休,因此就财务现实面,唯一的答案就是继续工作,晚点退休才是更安全、更睿智的选择。”
https://www.sinchew.com.my/20220207/%E5%93%88%E4%BD%9B%E5%AD%A6%E8%80%85%EF%BC%9A%E6%99%9A%E7%82%B9%E9%80%80%E4%BC%91%E6%89%8D%E6%98%AF%E8%81%AA%E6%98%8E%E4%BA%BA/
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