評論
打印
Putting together your plan
整合計劃
If enjoying a comfortable retirement is important to you, you cannot procrastinate with your retirement planning. You can’t hope and pray that somehow everything will work out. The baby boomers who had this attitude will soon pay the price for their lack of planning. The only bailout plan they can hope for is the guest bedroom at one of their children’s homes.
如果退休后的生活質量對你很重要，你就要開始制定退休計劃了。嬰兒潮時期出生的那批人如果指望事事順利，他們不久就會嘗到缺乏計劃的苦頭了。他們唯一能指望的就只剩下子女的贍養了。
The quality of life you enjoy during your retirement years will largely be based on your decisions. Financial security comes from making a series of good financial decisions over time, while financial failure comes from making a series of poor financial decisions over time. In looking at your balance sheet, how have you been doing with your financial decisions?
你的決定極大地影響著退休期間的生活質量。你的財政決策的好壞決定著你的財政安全與否。看看你的收支表，你一直以來都是怎樣做財政決策的？
Here are my suggestions:
下面是我的建議：
1. Make a commitment to yourself today that you are going to start making well-informed financial decisions. This includes educating yourself, seeking wise counsel and proper planning.
1.今天起，對自己做一個承諾：開始仔細做財政決策。這樣的決策包括自學，尋求高明的建議以及正確計劃。
2. Get started NOW. According to Albert Einstein, “The most powerful force in the universe is compound interest.” No more procrastinating. It’s time to get started. The sooner you do, the sooner your money will start working for you.
2.事不宜遲。愛因斯坦說過：“宇宙中最強大的力量就是復利。”拒絕拖延，是時候開始了。做得越早，錢就掙得越多。
3. Determine your current household budget. If you aren’t actively following a budget, its time to start taking responsibility for your finances.
3.決定當前的家庭預算。如果你不喜歡按預算花錢，現在是時候該為自己的資產負責了。
4. Using an income calculator, get an idea as to the amount of money you will need to save each year to enjoy the lifestyle you desire during your retirement years.
4.使用收入計算器算出為了退休后能享受生活，現在需要每年存下多少錢。
5. Meet with a certified financial planner or financial advisor with a proven track record THIS MONTH who can help you through this planning process. (Ask someone you respect for a referral or search here.) There are numerous factors beyond those used in an income calculator that need to be taken into consideration.
5.找一個合格的理財規劃師或者理財顧問，確保他們有可靠的工作業績。他們能協助你完成財務決策的過程。（請一個你敬重的人給你推薦或在這里搜索。）除了用收入計算機算出的那部分外，還有許多因素需要考慮。
6. Invest as much of the money you save into qualified retirement plans, such as a 401K, ROTH IRA, or SEP IRA. These types of plans will allow your investments to grow tax deferred, and with some plans you can invest pre-tax dollars. As an example, I wrote a check this week for my 2010 SEP IRA. This investment is subtracted from my gross income and, therefore, I do not pay taxes on this money until it is withdrawn. (It’s pre-tax dollars that grow tax deferred.)
6.盡可能多的把你的存款投入到退休計劃中。例如，401退休福利計劃，羅斯個人退休金賬戶或者簡易雇員退休金計劃。這些計劃可以讓你延遲納稅，還能通過某些計劃進行稅前投資。比如說，本周我為我的簡易雇員退休金計劃寫了張支票，這樣的投資從我的總收入里扣，因而我把錢取出來之前是不用交稅的。（這就是能延遲納稅的稅前投資。）
If your company offers a matching 401K program I would highly suggest taking full advantage of it.
如果你的公司有統一的401退休福利計劃，我強烈建議你充分利用好這一福利。
7. Don’t make risky investments. I have seen far too many people get greedy and lose all their money. If something sounds to good to be true, run from it. You are better off living a reduced quality of life during retirement than no quality of life.
7.不做風險投資。我見過太多因貪婪而得不償失的人了。如果某件事聽起來好得令人難以置信，那么趕緊放開。就算退休后不再有那么好的生活也總比一點也不好的生活要強。
8. Step up your game. Use this as motivation to become The Best of the Best at what you do. Move Up the Pay Scale and become a leader in your field of expertise. Increasing your income gives you the best opportunity to properly prepare for retirement while maintaining an optimal lifestyle today.
8.提升你的水平。把這當成一種動力，成為你所在行業的精英中的精英。提升工資，成為你所在領域的領頭羊。提高收入既讓你當下能夠擁有最理想的生活方式，也是你好好準備退休計劃的最好契機。
If you are not on track to achieving your retirement income objectives, let me encourage you to take control of your finances in 2011 and start planning for your future.
如果你沒有實現退休收入目標，我鼓勵你開始規劃未來，并掌控好2011年的財務。
Not planning for retirement is like living with a disease and not doing anything about it. Eventually it will raise its ugly head; when it does, it will be too late.
不為退休生活做計劃就像身患疾病卻又放任自流。總有一天，我們要為此付出代價，當那一天到來，一切都太晚了。
