評論
打印
To maximize his benefits, he also plans to wait as long as possible—until age 70—to draw from Social Security.
為了最大化他的收益，他也計劃等待盡可能長的時間，直到70歲才從社會保險中支取出來。
He expects to receive around $3,500 per month, or $42,000 a year, before taxes.
預計他將拿到稅前每月3500美元，或者每年42000美元。
(Yes, Social Security benefits may be subject to taxes.) Will that be enough? Possibly.
（是的，社會保障福利可能會受稅的支配。）這夠嗎？可能吧。
Assuming that Vincent's planned $800,000 nest egg earns a very conservative 6 percent,
假設文森特計劃的80萬美元儲蓄只賺了6%，這個比例非常保守，
that would mean $48,000 a year in proceeds (also before taxes) that he could draw on without touching any of the principal.
這意味著，他每年可以在不觸及任何本金的情況下提取4.8萬美元的收益(也包括稅前收益)。
According to the Bureau of Labor Statistics, the average retired family spends $45,756 a year.
根據美國勞工統計局的數據，退休家庭平均每年的支出為45756美元。
His 401(k) and Social Security would easily cover that. Yet despite Vincent's planning, life has thrown some curveballs at the Martins.
他的401(k)退休計劃和社會保障計劃很容易就能支付這個。然而，盡管有文森特的計劃，生活還是給馬丁夫婦帶來了一些麻煩。
The biggest is that Pamela was diagnosed with multiple sclerosis and hasn't been able to work for 20 years.
最大的問題是帕梅拉被診斷出患有多發性硬化癥，已經有20年不能工作了。
She draws a Social Security disability income, around $1,500 per month, and receives benefits from long-term disability insurance, which will disappear when she turns 65.
她每月領取大約1500美元的社會保障殘疾收入，并從長期殘疾保險中獲得福利，而當她65歲時，長期殘疾保險將會消失。
Vincent has been creating an additional pool of funds, what he calls a slush fund, to cover both of their medical costs.
文森特一直在創建一個額外的資金池，他稱之為“備用基金”，以支付他們的醫療費用。
"We're doing as well as we can to prepare," Vincent says.
文森特表示，“我們正在盡最大努力做準備。”
"I'll care for her for as long as I can in our house, but there will come a time when she will need at least part-time nursing care."
“我會盡可能長時間的在家照料她，但是將來有一個時間她會至少需要兼職護理。”
Joyce Petrenchak, wealth strategy regional director at PNC Wealth Management, says that people who are worried about rising health-care costs should look into long-term care policies.
PNC財富管理公司財富策略區域主管喬伊斯·佩欽切克說，擔心醫療成本上升的人應該考慮長期的醫療政策。
The catch, however, is that these plans may not cover preexisting conditions, so it's important to enroll sooner rather than later.
然而，隱患在于這些計劃可能不能應付先前存在的情況，所以盡早加入是重要的。
Also, these policies don't cover every cost. The most affordable ones will help pay for in-home assistance with daily activities, such as bathing and dressing.
此外，這些政策并不能覆蓋所有成本。最實惠的將幫助支付家庭日常活動援助，如洗澡和穿衣。
You can pay for more care, but the "bells and whistles" you get are less important than the peace of mind, says Petrenchak.
佩欽切克說，你可以支付更多的醫療費用，但是你得到的附屬的東西可不如你內心的平靜重要。
"These policies give you flexibility and liquidity when you need it," she says.
她說，“這些政策在你需要的時候可以給你靈活性和流動性。
Mindful of his own struggles to save, Vincent has been working over-time to support his children's efforts.
考慮到自己的努力儲蓄，文森特一直在加班工作，以支持他的孩子們的努力。
Cherlyn Thomas, the Martins' oldest daughter, has her retirement savings on autopilot.
馬丁家的大女兒切琳·托馬斯的退休儲蓄處于自動控制狀態。
A vice president of education services at a school in Chicago and a single parent to 13-year-old Jason, Cherlyn has a 401(k) and 403(b), a similar tax-incentivized retirement account.
切林是芝加哥一所學校負責教育服務的副總裁，也是13歲的杰森的單親媽媽。他擁有401(k)和403(b)兩個類似的稅收激勵退休賬戶。
She has increased her contributions twice but doesn't keep an eye on her investments. That's actually a good thing.
她兩次增加了繳款，但沒有注意她的投資。這實際上是一件好事。
