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4. 過早支取社保金
If you can afford to delay taking your Social Security retirement benefit, do.
如果你有能力晚點支取自己的社保養老金，那么就晚點吧。
Someone earning $50,000 a year who starts claiming Social Security as soon as he or she is able, age 62, will typically collect a monthly check of about $1,000, according to the Social Security Administration. If they wait until they are 70, that amount would double.
根據美國社會安全局(Social Security Administration)的數據，年薪五萬美元的員工若在自己年滿62歲這一支取社保金的規定年齡后即開始使用社保，則通常每月可以得到大約1,000美元。如果他們能夠等到70歲，那么這個數字將會翻倍。
Taking Social Security too early, or without thinking through the consequences, is one of the biggest financial blunders people can make─roughly on a par with buying tech stocks in 2000 or a Las Vegas condo in 2006. The lure of getting money early can blind people to the big cost down the road.
過早支取社保金，毫不考慮后果，這是美國人可能犯下的最大的理財錯誤之一──其不明智的程度堪比在2000年買入科技股或是在2006年買下拉斯維加斯的一套公寓。早點拿到錢的誘惑可能會讓人們對未來即將付出的巨大代價視而不見。
(Many retirees may not have much of a choice. Hard labor at low pay over a lifetime takes its toll on a person. Also, many companies all but force older workers into early retirements.)
（許多退休者可能沒有太多選擇。一輩子拿著低薪從事著艱苦的工作，是很折磨人的。而且，許多公司幾乎是在強迫高齡員工早點退休。）
In any case, it doesn't take more than just a few years before the total money accrued with the higher, later benefits surpasses the total earned starting at the earlier retirement age.
無論如何，多等上些時候去享受更高的福利，這樣積累下來的數額用不了幾年就能超過在退休年齡初期即開始提取的全部社保金額。
But that understates the bigger issue. Social Security is insurance. For many retirees, the big risk isn't that they will run out of money before they turn 70, but after 85. According to the Centers for Disease Control, more than half of women currently age 65 will live to 85 or longer, and three out of eight men.
不過，這樣說會讓人們忽視一個更大的問題。社保金是一種保險。對于許多退休者而言，最大的風險不在于他們會在70歲之前沒錢了，而是在85歲之后。根據美國疾病控制與預防中心(Centers for Disease Control)的數據，目前年齡在65歲的女性中，超過半數的人將活到85歲甚至更久，男性中的這個比例為八分之三。
David Blanchett, head of retirement research for financial research firm Morningstar, says it makes sense for women, married couples and those with good health to wait longer for a bigger paycheck.
晨星公司(Morningstar)負責退休問題研究的主管戴維?布蘭切特(David Blanchett)說，對于女性、已婚夫婦和那些身體狀況良好者而言，應該多等些時間以便得到更高的福利，因為這樣做更為合理。
