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\u56fe\u7247\u6765\u6e90\uff1aILLUSTRATION BY ALEXANDRA CITRIN-SAFADI\/WSJ; PHOTO: ISTOCK<\/p>\n\n\n\n

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37\u5c81\u7684Vivek Trivedi\u662f\u5370\u7b2c\u5b89\u7eb3\u6ce2\u5229\u65af\u7684\u4e00\u540d\u836f\u5242\u5e08\uff0c\u4ed6\u5728\u8d27\u5e01\u5e02\u573a\u57fa\u91d1\u548c\u7f8e\u56fd\u901a\u80c0\u6302\u94a9\u50a8\u84c4\u503a\u5238\uff08\u53c8\u79f0I\u503a\u5238\uff09\u4e2d\u6295\u5165\u4e86\u7ea68\u4e07\u7f8e\u5143\uff0c\u76f8\u5f53\u4e8e\u4ed6\u603b\u8d44\u4ea7\u768410%\u591a\u4e00\u70b9\u513f\u3002\u4ed6\u8ba1\u5212\u6700\u7ec8\u7528\u8fd9\u4e9b\u73b0\u91d1\u8d2d\u4e70\u4e00\u5957\u51fa\u79df\u623f\uff0c\u4f46\u5982\u679c\u5229\u7387\u4e0b\u964d\uff0c\u6536\u76ca\u7387\u5438\u5f15\u529b\u964d\u4f4e\uff0c\u4ed6\u4e5f\u4f1a\u8003\u8651\u5728\u6b64\u671f\u95f4\u6295\u8d44\u84dd\u7b79\u80a1\u3002<\/p>\n\n\n\n

\u201c\u6bcf\u4e2a\u6708\u6211\u90fd\u5728\u5173\u6ce8\u901a\u80c0\uff0c\u201dTrivedi\u8bf4\uff0c\u201c\u5982\u679c\u6211\u7684\u6536\u76ca\u7387\u6ca1\u6709\u6bd4\u901a\u80c0\u7387\u9ad8\u51fa\u81f3\u5c111.5\u4e2a\u767e\u5206\u70b9\uff0c\u6211\u5c31\u5fc5\u987b\u8003\u8651\u4e0d\u540c\u7684\u7b56\u7565\u3002\u201d<\/p>\n\n\n\n

Trivedi\u548c\u5176\u4ed6\u4eba\u7684\u51b3\u5b9a\u662f\u5e02\u573a\u4e0b\u4e00\u6b65\u8d70\u52bf\u7684\u5173\u952e\u3002\u5bf9\u7f8e\u8054\u50a8\u5c06\u5728\u4eca\u5e74\u665a\u4e9b\u65f6\u5019\u964d\u606f\u7684\u9884\u671f\u523a\u6fc0\u4e86\u80a1\u5e022023\u5e74\u5e95\u7684\u5927\u6da8\uff0c\u63a8\u52a8\u4e3b\u8981\u6307\u6570\u63a5\u8fd1\u5386\u53f2\u9ad8\u4f4d\u3002\u8fd9\u79cd\u70ed\u5ea6\u6b63\u5f00\u59cb\u6d88\u6563\u3002\u4e00\u4e9b\u6295\u8d44\u8005\u8868\u793a\uff0c\u5e02\u573a\u51e0\u4e4e\u6ca1\u6709\u8fdb\u4e00\u6b65\u4e0a\u6da8\u7684\u7a7a\u95f4\uff0c\u800c\u4e14\u5df2\u5728\u5b9a\u4ef7\u4e2d\u53cd\u6620\u51fa\u201c\u5b8c\u7f8e\u60c5\u5883\u201d\uff0c\u5373\u901a\u80c0\u653e\u7f13\u800c\u5c31\u4e1a\u5c97\u4f4d\u4e0d\u4f1a\u5927\u5e45\u51cf\u5c11\u3002<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

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\"\"<\/figure>\n\n\n\n

Elizabeth Cathcart\u8bf4\uff0c\u201c\u5f88\u96be\u653e\u5f03\u5229\u73875.5%\u4ee5\u4e0a\u7684\u5b9a\u5b58\u5355\u201d \u3002<\/h4>\n\n\n\n

\u56fe\u7247\u6765\u6e90\uff1aELIZABETH CATHCART<\/p>\n\n\n\n

26\u5c81\u7684Elizabeth Cathcart\u5728\u4e39\u4f5b\u4e00\u5bb6\u6295\u8d44\u516c\u53f8\u4ece\u4e8b\u4f01\u4e1a\u878d\u8d44\u5de5\u4f5c\u3002\u5979\u8bf4\uff0c\u7531\u4e8e\u8d2d\u623f\u6210\u672c\u5927\u5e45\u4e0a\u5347\uff0c\u5982\u679c\u4e0d\u91c7\u53d6\u79ef\u6781\u7684\u6295\u8d44\u7b56\u7565\uff0c\u8d2d\u623f\u5c06\u65e0\u6cd5\u5b9e\u73b0\u3002<\/p>\n\n\n\n

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\u6295\u8d44\u8005\u8fd8\u503e\u5411\u4e8e\u5728\u5e02\u573a\u627f\u538b\u65f6\u671f\u5c06\u8d44\u91d1\u6295\u5165\u8d27\u5e01\u5e02\u573a\uff0c\u800c\u4e0d\u4e00\u5b9a\u662f\u5728\u6536\u76ca\u7387\u8f83\u9ad8\u65f6\u3002\u8d27\u5e01\u57fa\u91d1\u8d44\u4ea7\u89c4\u6a21\u57282008\u5e74\u8fbe\u5230\u6700\u9ad8\u5cf0\uff0c\u5f53\u65f6\u7684\u89c4\u6a21\u51e0\u4e4e\u5360\u8d27\u5e01\u4f9b\u5e94\u603b\u91cf\u7684\u4e00\u534a\u3002\u57282001\u5e74\u4e92\u8054\u7f51\u6ce1\u6cab\u4e4b\u540e\u4e5f\u51fa\u73b0\u8fc7\u4e00\u4e2a\u7c7b\u4f3c\u7684\u9ad8\u5cf0\u3002<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

30\u5c81\u7684Francisco Pena\u662f\u7ebd\u7ea6\u5e02\u4e00\u540d\u6570\u636e\u79d1\u5b66\u5bb6\uff0c\u4ed6\u8bf4\u81ea\u5df1\u6b63\u5728\u4f7f\u7528\u77ed\u671f\u56fd\u503a\u3001\u5b9a\u5b58\u5355\u548c\u901a\u80c0\u6302\u94a9\u50a8\u84c4\u503a\u5238\u4f5c\u4e3a\u8d44\u91d1\u7684\u4e34\u65f6\u5b58\u653e\u5904\u3002\u4ed6\u6b63\u5728\u548c\u4e08\u592b\u4e00\u8d77\u5b58\u94b1\u4ed8\u9996\u4ed8\u3002<\/p>\n\n\n\n

Pena\u8bf4\uff1a\u201c\u6211\u4e0d\u60f3\u8ba9\u6211\u7684\u73b0\u91d1\u5b58\u5728\u94f6\u884c\u8d26\u6237\u91cc\uff0c\u5931\u53bb\u5b9e\u9645\u8d2d\u4e70\u529b\uff0c\u5c24\u5176\u662f\u5728\u901a\u80c0\u7387\u4e0d\u65ad\u4e0a\u5347\u7684\u60c5\u51b5\u4e0b\u3002\u201d\u5982\u679c\u5229\u7387\u5927\u5e45\u4e0b\u964d\uff0c\u4ed6\u5c06\u575a\u6301\u4f7f\u7528\u9ad8\u6536\u76ca\u50a8\u84c4\u8d26\u6237\uff0c\u4ee5\u4fbf\u968f\u65f6\u53d6\u7528\u73b0\u91d1\u3002<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Francisco Pena\u8bf4\u81ea\u5df1\u6b63\u5728\u4f7f\u7528\u77ed\u671f\u56fd\u503a\u3001\u5b9a\u5b58\u5355\u548c\u901a\u80c0\u6302\u94a9\u50a8\u84c4\u503a\u5238\u4f5c\u4e3a\u8d44\u91d1\u7684\u4e34\u65f6\u5b58\u653e\u5904\u3002<\/h4>\n\n\n\n

\u56fe\u7247\u6765\u6e90\uff1aFRANCISCO PENA<\/p>\n\n\n\n

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27\u5c81\u7684Mark Wiggins\u662f\u4f4f\u5728\u4f5b\u7f57\u91cc\u8fbe\u5dde\u8fc8\u963f\u5bc6\u6ee9\u7684\u4e00\u540d\u7ba1\u7406\u987e\u95ee\uff0c\u4ed6\u76ee\u524d\u5c06\u6536\u5165\u768417%\u5b58\u5165\u5229\u7387\u4e3a4.4%\u7684\u9ad8\u606f\u50a8\u84c4\u8d26\u6237\u3002\u53e6\u670913%\u7684\u6536\u5165\u5b58\u5165\u4ed6\u7684401(k)\u8d26\u6237\u3002\u5728\u6b64\u524d\u5229\u7387\u8f83\u4f4e\u65f6\uff0c\u4ed6\u4f1a\u5c06\u5de5\u8d44\u7684\u4e00\u90e8\u5206\u76f4\u63a5\u6295\u8d44\u4e8e\u80a1\u7968\u548c\u52a0\u5bc6\u8d27\u5e01\u3002\u4ed6\u6b63\u8ba1\u5212\u5c06\u81ea\u5df1\u7684\u4e00\u5927\u7b14\u50a8\u84c4\u7528\u4e8e\u6295\u8d44\u3002<\/p>\n\n\n\n

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