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Vincent Martin is 56 and on track to retire right on time at 65.
文森特·馬丁現(xiàn)年56歲，65歲時將準時退休。
That's no small feat, considering that he has never used a financial adviser or other investment advice.
這是個不小的壯舉，考慮到他從未使用過理財顧問或者其它投資建議。
A Navy veteran and an IT engineer who lives in Aurora, Illinois, Vincent is proud to have gotten here on his own.
作為一名退伍軍人和生活在伊利諾斯州奧羅拉市的IT工程師，文森特很自豪靠自己走到了今天。
"There's nothing a financial adviser will tell you that you can't find written online somewhere," Vincent says.
文森特表示，“理財顧問告訴你的東西在網(wǎng)上都能找到。”
He has tried to help his daughters start their own retirement funds too. Self-driven financial planning isn't for everyone.
他也嘗試幫助他的女兒也建立他們自己的退休基金。自我驅(qū)動的理財計劃并不適合所有人。
We all face a future of fluctuating costs—especially the costs of living and health care—and that means preparing for retirement can feel like trying to hit a moving target.
我們都面臨著一個變動成本的未來，尤其是生活和醫(yī)療的成本，這意味著為退休做準備就像是嘗試擊中一個移動的目標。
Vincent's path provides many good, all-purpose lessons on how to maximize your nest egg.
文森特的道路提供了很多如何最大化你的積蓄的好的、通用的經(jīng)驗。
But we also did what he wouldn't: We asked financial advisers for further insight on his strategy.
但是我們也做了他沒有做的事情：我們請財務(wù)顧問對他的策略進行了進一步的分析。
Vincent's retirement goal all along has been clear: "I don't want to have to work," he says. "I've been working since I was 14, and quite frankly, I'm tired."
文森特的退休計劃一直都是清晰的：“我不想工作。”他說。“我從14歲就開始工作了，老實講，我累了。”
Starting to save was perhaps the hardest part. After serving in the Navy for 15 years, Vincent found himself working full-time as an IT consultant and "just barely getting by."
開始存儲也許是最艱難的部分。在軍隊服役15年后，文森特找了一份全職的IT顧問的工作，“勉強過得去”。
On top of that, he was enrolled in college and got married to his wife, Pamela Martin.
除此之外，他進了大學，娶了自己的老婆帕梅拉·馬丁。
He wasn't able to contribute much to a 401(k) retirement-savings account until his mid-30s, when he became a systems administrator at a bank.
直到35歲左右，他才為401k退休儲蓄賬戶繳納了很多錢，那時他成為一家銀行的系統(tǒng)管理員。
In many ways, Vincent's story is typical.
在很多方面來講，文森特的故事都是典型的。
A March 2018 Bankrate survey found that one fifth of Americans aren't saving any money for things such as retirement, chiefly, they say, because they can't afford to.
2018年3月的一項銀行利率調(diào)查發(fā)現(xiàn)，五分之一的美國人沒有為退休等事情存錢，主要是因為他們負擔不起。
"Like a lot of Americans, I was in survival mode," he says. "I didn't have any money to put away for retirement, and all of my money was tight.
他說，“像很多美國人一樣，我處在一個求生的模式中。我沒有錢存起來養(yǎng)老，我所有的錢都很緊張。
I had no liquid assets after I paid all of my bills."
我支付了所有賬單后就沒有流水資金了。
But as Vincent's career and pay-checks progressed, he taught himself the ins and outs of retirement preparation.
但是隨著文森特生涯的繼續(xù)和薪水的增長，他自學了退休準備的來龍去脈。
He sought out as much educational material as he could, including financial magazines and Vanguard's online investment tools and calculator.
他盡可能多的尋找了學習資料，包括金融雜志和先鋒集團的在線投資工具和計算器。
He contributes 5 percent of his pretax salary to a 401(k) through his employer and receives a 5 percent company match.
他通過雇主將稅前工資的5%繳納到401k計劃中，并獲得5%的公司補貼。
He invests in a mix of bonds held in an IRA to ensure stability in retirement and CDs, and he has gradually funneled more of his money to less volatile investments as he has gotten older.
他投資個人退休賬戶中持有的混合債券，以確保退休和信用違約掉期的穩(wěn)定。隨著年齡的增長，他逐漸將更多的錢投入波動性較小的投資。
So far, he has managed to save about $400,000, and he hopes to double that by the time he retires.
到目前為止，他已經(jīng)設(shè)法存了大約40萬美元，他希望退休時能把這個數(shù)字翻一番。
