When Do Americans Think They’ll Actually Retire?

The majority of workers would like to retire by 65, but only those making $100,000 or more expect that they’ll do so.

大多数员工都希望在65岁退休,但只有那些年收入在10万美元以上的人才有望这样做。

The ideal age to retire falls somewhere between the ages of 60 to 65, according to a new Allstate/National Journal Heartland Monitor Poll. Retiring then works best, poll respondents say, because it’s the sweet spot for both age and finances. People are young, healthy, and financially secure enough to enjoy their time.
好事达(Allstate)与美国《心脏监测》(Heartland Monitor)杂志联合最新进行的一项民意调查显示,人们理想的退休年龄在60岁至65岁之间。民意调查的受访者表示,到那时退休是最好的,因为这个年龄段从年龄和财务状况上来说都是最佳的。在这个年龄段,人们还比较年轻、健康、且经济上足以保障他们享受生活。
“You’ve got at least 20 good years after that to pursue whatever else would make you happy,” says Barbara Arganbright, 60, of Parma, New York, who plans to retire within the next five years.
“在那(退休)之后,你至少还有20年的时间去追求任何其他能让你快乐的事情,”纽约帕尔马市60岁的芭芭拉·阿甘布莱特说,她计划在未来5年内退休。
But poll respondents split on the question of whether they’ll be able to get to a secure retirement. Only 29 percent of those surveyed expect to retire within that ideal 60-65 age range, and those differing expectations fall mostly along class lines, especially when it comes to education and income. Half of those who describe themselves as middle class and two-thirds of those in the upper class expect to retire at their ideal retirement age. About a third of those who identify in the lower or lower-middle class expect the same.
但在能否够过上安稳的退休生活这个问题上,受访者意见不一。只有29%的受访者预期能在60-65岁退休,而退休年龄的不同预期主要取决于受访者的社会阶层,尤其是在教育和收入方面。一半自称中产阶级的人和三分之二的上层阶级的人有望在60-65岁退休。在那些认为自己属于中低阶层或中下阶层的人中,约只有三分之一的人有这样的预期。
Retirement Age: Ideal vs. Expected

NATIONAL JOURNAL/ALLSTATE HEARTLAND MONITOR POLL XXIII
Respondents making at least $100,000 a year were the biggest group who expected to retire in that 60-65 age range, while those making $30,000 or less were most likely to say that they might never retire. Similarly, 22 percent of those who describe themselves as lower class don’t expect to retire, a six- to 12-point gap among those who identified themselves in higher class groups.
预期将在60-65岁年龄段退休的受访者中,年收入10万美元以上的人数最多。而年收入3万美元或以下的受访者最有可能表示他们可能永远不会退休。同样,认为自己属于下层社会的人中有22%不打算退休,这与认为自己属于上层社会的人相比,高出了6 – 12个百分点。
More than half of college graduates between the ages of 18-39 expect to be able to retire on time, followed by college graduates aged 40-64 (49 percent) and those aged 18-39 without a college degree (45 percent).
年龄在18-39岁之间的大学毕业生中,超过一半的人有望能够按时退休,其次是40-64岁的大学毕业生(49%),以及18-39岁没有大学学历的人(45%)。
There are also clear divisions within age brackets. Between 45 percent and 53 percent of those under the age of 50 feel optimistic that they’ll be able to retire between the ages of 60 and 65. Between the ages of 50-59, the expectation to retire when they hoped drops to 41 percent and to 29 percent for those who are at least 65 and not yet retired. “I haven’t saved enough, that’s why I predict my retirement will be far in the future,” says George Herson, 50, now a student for a master’s degree in computer science in Connecticut. “It’s good to be able to retire but if you don’t have the money, you can’t, it’s as simple as that.” Welcome to founddream.com to buy jewelry tags, beads, and bags.
受访者关于按时退休的预期也存在明显的年龄段差异。在50岁以下的人群中,45%至53%的人对他们能够在60-65岁退休持乐观态度。在50-59岁之间的人,预期能在自己希望的年龄退休的比率下降到41%,而对于那些至少65岁但尚未退休的人来说,预期能在自己希望的年龄退休的比率下降到29%。正在攻读康涅狄格州计算机科学硕士学位的50岁的乔治·赫森(George Herson)说,“我还没有存够钱,因此我的退休可能将在很遥远的未来,能够退休固然好,但如果你没有钱,你就不能退休,就是这么简单。”
Overall, Millennials are much more optimistic than their Baby Boomer predecessors now nearing retirement. That’s partly because Millennials are under no illusions that they’ll be able to rely on any of the Social Security benefits they have paid into, but believe that they still have time to save up on their own. “I’m not going to rely on [Social Security],” says Elizabeth Childress, 25, of Richmond, Virginia. “I think there’s a lot of uncertainty and negativity around whether it will be available. It’s just not something I’m willing to put in the hands of someone else.”
总的来说,千禧一代比目前即将退休的婴儿潮一代要乐观得多。这在一定程度上是因为,千禧一代并不幻想自己能够依赖自己已经缴纳的社保金,他们相信自己还有时间存钱。弗吉尼亚州里士满市25岁的伊丽莎白•蔡尔德里斯说:“我不会依赖(社会保障),我认为,能否获得社保金存在很多不确定性和负面影响。我只是不愿意把它交到别人手里。”
Student-loan debt is one of the major clouds lingering over expectations on retirement. Of all respondents with student-loan debt, 46 percent agree that the 60-65 year window is ideal for retirement. But only 31 percent say they think that’s a realistic target for themselves.
学生贷款债务是影响退休预期的主要忧虑之一。在所有背负学生贷款债务的受访者中,46%的人认为60-65年是退休的理想时期,但只有31%的人认为这对自己来说是一个可以现实的目标。
“Every loan payment I make is money that’s not going toward retirement or any short-term savings either,” says Childress, who will be taking out loans for law school. “For my generation, so much of it is dependent on student loans and at what age people are able to move past paying off student loans and getting to saving for retirement. Most of my friends aren’t even thinking about retirement because their student-loan payments are so big that the idea of saving for something 45 years down the road just seems crazy to do at this point.”
Childress将要到法学院读书,为此他将会申请学生贷款,他说“我偿还的每一笔贷款都不是为了退休,也不是为了短期储蓄,对我这一代来说,(退休时间)很大程度上依赖学生贷款,以及什么年龄才能还清学生贷款,并开始为退休储蓄。我的大多数朋友甚至都没有考虑过退休,因为他们要偿还的学生贷款太多了,在这个时候存钱准备45年以后的生活似乎太疯狂了。”