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Experts warn that obsessing over investments is often counter-productive because timing the stock market's highs and lows is impossible.
專家警告說，沉迷投資常常會產(chǎn)生相反效果，因為知曉股市的漲跌時間是不可能的。
That said, now that she's in her early 40s, Cherlyn realizes the value in having a clearer picture of what's ahead.
話雖如此，現(xiàn)在她剛40歲出頭，切林意識到了對未來有一個清晰的認識的價值。
“I want to do better and be aware of what's going on with my finances,” she says.
她說，“我想做的更好，想了解我的財政狀況。”
“I know I'm going to get Social Security benefits, but I'm not quite sure where that really puts me at each month.
“我知道我會得到社會保障福利，但是我不知道我每個月的具體狀況。
It just seems so far away.” The planning often intimidates people.
那似乎還很遙遠。”這種計劃總是讓人害怕。
Vincent and Pamela's youngest daughter, Emerald Martin, 24, goes to school and works part-time in Arizona.
文森特和帕梅拉24歲的小女兒艾米瑞達·馬丁正在上學，而且在亞利桑那州做兼職。
Her employer offers a 401(k) plan, but she hasn't enrolled.
她的雇主建議了一個401（k）計劃，但是她還沒有加入。
To her, the program is confusing, and she prefers to save on her own, despite losing her company's matching funds.
對她來說，這個計劃令人困惑，她更喜歡自己儲存，盡管這樣會失去公司的補貼資金。
“I wish people would explain it instead of just being like, ‘Here's a thousand documents on our website,
艾米瑞達說，“我希望人們會解釋這個計劃，而不是這個樣子，‘我們的網(wǎng)站有一千個文件，
and you can determine whether or not you want to participate,'” Emerald says.
你可以決定你要不要參與。’”
“It would be more comprehensible if they explained each one in detail instead of just throwing a ton of information at me.”
“如果他們能詳細解釋每一項內(nèi)容，而不是一下讓我接觸這么多的信息的話，我會更容易理解的。”
Petrenchak suggests that employees focus on the fact that benefits are a part of their compensation.
佩欽切克建議員工關注福利是他們薪酬的一部分這一事實。
If they don't use them, they aren't being paid what the job is worth.
如果他們不使用它們，他們的薪水將與工作價值不符。
Abigail Gunderson, a certified financial planner and wealth adviser at Tanglewood Total Wealth Management,
阿比蓋爾·甘德森是唐格爾伍德財富管理公司的注冊理財規(guī)劃師和財富顧問，
recommends that Emerald think about smaller, more tangible goals for now, rather than the big, far-off picture.
他建議艾米瑞達現(xiàn)在考慮更小的更切實的目標，而不是大的、遠大的目標。
“Taking baby steps can help people who are overwhelmed by the process,” Gunderson says.
岡德森表示，“循序漸進可以幫助那些在這個過程中不知所措的人。”
“And even if they see a financial planner or adviser for just an hour, or talk with their parents, it can help clear the confusion.”
即使他們只與理財規(guī)劃師或顧問見了一個小時，或與父母交談，這也能幫助他們消除困惑。”
In fact, kids whose families discuss retirement planning with them seem to be better prepared for the future.
實際上，有家長跟他們討論退休計劃的小孩似乎能更好地為未來做好準備。
A report by the FINRA Investor Education Foundation and the CFA Institute
據(jù)美國金融業(yè)監(jiān)管局投資者教育基金會和注冊金融分析師協(xié)會的一份報告顯示，
found that 50 percent of millennials with taxable investment accounts reported their parents had talked to them about investing before they were 18.
在擁有應稅投資賬戶的千禧一代中，有50%的人表示，他們的父母在他們18歲之前就跟他們談過投資。
So even if Vincent's advice hasn't yet fully resonated with Emerald, their open dialogue around the topic has the potential to benefit them all in the long term.
所以即使文森特的建議還沒有完全引起艾米瑞達的共鳴，他們圍繞這個話題展開的開放對話有可能使他們所有人長期受益。
So what's next? Emerald hopes retirement conversations with people her age will become simpler and more relatable.
接下來呢？艾米瑞達希望和同齡人進行的有關退休的對話會變得更加簡單，更能引起共鳴。
Cherlyn plans on getting together with her father to go over her asset allocation.
切林計劃和她的父親一起檢查她的資產(chǎn)配置。
And Vincent is doing his best not to let market fluctuations shake him.
文森特正盡最大努力不讓市場波動影響到他。
“Everyone needs to be an active participant in his future,” Vincent says. “Read as much as possible and prepare as best you can.”
文森特表示，“每個人都需要成為他的未來的活躍參與者，盡可能地閱讀，盡可能地做好準備。”
