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I don't know if you've noticed this, but, everybody is getting old. This year a record number of people will be turning 65, and next year that record will be broken again.
我不知道你是否注意到了每个人都在变老。今年年满65岁的人数将打破纪录，明年这一纪录将再次被打破。
We have been warned about aging populations for decades and now it's actually happening.
几十年来，我们一直被警告人口老龄化，现在它真的发生了。
Unfortunately, the savings retirement gap for millions of households is wider than it ever has been, and people's assets have been eaten up by inflation, bad investments, and good old-fashioned financial illiteracy.
不幸的是，数百万家庭的养老金缺口比以往任何时候都要大，人们的资产被通货膨胀、不良投资和老式的金融文盲蚕食殆尽。
Over 20% of people on the cusp of retirement have no savings at all, but that isn't stopping them.
超过20%即将退休的人没有任何储蓄，但这并没有阻止他们退休。
Millions of people across the world can't afford to retire, and they're doing it anyway. So what does this mean for everybody else?
全世界数百万人负担不起退休费用，但他们还是退休了。那么这对其他人意味着什么？
Baby boomers leaving their homes either because they're moving to assisted living centers or they're just no longer living.
婴儿潮一代离开家园，要么是因为他们要搬到辅助生活中心，要么就是他们去世了。
In the last 10 years, Milwaukee County saw a 22% increase of older residents.
在过去的10年里，密尔沃基县的老年居民增加了22%。
In their 50s are generally at peak earning potential, yet more than half worry they'll run out of money in retirement. is this the retirement that you imagined? No.
50多岁的人通常处于收入潜力的巅峰，但超过一半的人担心退休后会没钱。这是你想象中的退休生活吗？不是。
Earlier this year, the Retirement Income Institute released a commission study on retirement savings. I can't overemphasize how much I love the name of this report.
今年早些时候，退休收入研究所发布了一份关于退休储蓄的委托研究。我非常喜欢这份报告的标题，这一点再怎么强调也不为过。
Peak Boomer's Impact Study found that between this year and 2030, 30 million Americans will retire, representing almost a fifth of the total labor force.
婴儿潮一代的影响研究发现，从今年到2030年，将有3000万美国人退休，占总劳动力的近五分之一。
The study focused primarily on how those retirees plan to fund their retirement and the results were grim.
这项研究主要关注这些退休人员计划如何为退休生活提供资金，结果令人沮丧。
More than half of the study group had less than $250,000 in assets, including their home if they had one.
超过一半的研究对象拥有不到25万美元的资产，包括房子在内（如果有的话）。
And that group would rely on social security as their primary or exclusive source of income in retirement.
而这个群体将依靠社会保障作为他们退休后的主要或唯一收入来源。
Now this study was conducted by independent researchers, but it was funded by a group that wants to sell annuities to people planning their retirement.
现在这项研究是由独立研究人员进行的，但它是由一个想要向计划退休的人出售年金的团体资助的。
So some of their recommendations need to be taken with more than a bucket of salt.
因此，他们的一些建议需要慎之又慎。
However, the study group of retirees getting too old to work are just one part of the larger group deciding that right now is a pretty good time to retire.
然而，研究小组发现，退休人员年龄太大，无法工作，他们只是一小部分，还有更多人认为现在是退休的好时机。
A study by Pew Research has found that the largest wave of retirement has already happened.
皮尤研究中心的一项研究发现，最大的退休潮已经到来。
as people step back from the workforce during COVID assisted by a combination of record low interest rates, generous stimulus measures, redundancy packages, record asset prices, and a general motivation to not go back into a plague infested office.
在新冠疫情期间，人们在创纪录的低利率、慷慨的刺激措施、裁员方案、创纪录的资产价格，以及不想回到瘟疫肆虐的办公室的普遍动机的推动下退出劳动力市场。
This is far from a uniquely American trend. In fact, we are actually behind a lot of countries that are both older than us and have better support systems for people in their old age. On top of hitting peak boomer, there are less typical retirees.
这远非美国独有的趋势。美国其实落后于许多国家，这些国家人口既比我们老，又有更好的养老体系。除了婴儿潮一代的巅峰之外，典型的退休人数也减少了。
A growing number of independently wealthy young people who are pursuing financial independence where investment returns from their assets are enough to fund their lifestyle indefinitely.
越来越多的白手起家获得财富的年轻人追求财务独立，他们的资产投资回报足以无限期地资助他们的生活方式。
And on the other end of the spectrum, there are people just giving up on working and are scraping by on family support, government assistance, or jobs in the informal economy.
而另一方面，有些人干脆放弃工作，靠家庭支持、政府援助或非正规经济中的工作勉强度日。
These people aren't the typical demographic of retirees, but they are still adding to the record trend.
这些人不是典型的退休人群，但他们仍在增加创纪录的趋势。
And they are all paying for this major financial decision in slightly different ways. The first way is that they just aren't. People don't always make entirely rational financial decisions.
他们都在以略有不同的方式为这一重大财务决策付出代价。第一种方式是，他们根本不会这样做。人们并不总是做出完全理性的财务决策。
Whether it's buying a car in an 84-month finance deal, racking up credit card debt to buy luxury goods, or just not understanding the importance of saving and investing, there is no shortage of people doing really dumb things with their money.
无论是通过84个月的融资协议购买汽车，还是通过信用卡债务购买奢侈品，或者只是不理解储蓄和投资的重要性，人们用他们的钱做蠢事的情况并不罕见。
You are watching a channel that gives weekly depressing lectures on the state of the financial system, business trends and the economy.
您正在观看一个频道，该频道每周都会就金融体系、商业趋势和经济状况发表令人沮丧的讲座。
So all of you are probably far more financially literate than the average person.
所以你们所有人可能都比普通人更懂金融知识。
And even then, you have probably made some dumb money mistakes.
即便如此，你们可能也犯了一些愚蠢的金钱错误。
People deciding to quit their jobs often aren't thinking entirely rationally.
决定辞职的人往往不是完全理性思考的。
And more people are just as setting that if they are going to be screwed financially in their old age, they would at least like to enjoy a few years while they still have their health and worry about finances once they are too old for it to be their problem.
越来越多的人也同样认为，如果他们在年老时陷入财务困境，他们至少希望在身体健康时享受几年，等到年纪太大时再担心财务问题，这样就不是他们考虑的问题了。
For some people, the decision is made for them. Layoffs nationwide have hit people approaching retirement age particularly hard.
对于某些人来说，这个决定是为他们做出的。全国范围内的裁员对接近退休年龄的人打击尤其严重。
According to a survey conducted by the Transamerica Center for Retirement Studies, most Americans are retiring 5 years earlier than they expected.
根据泛美退休研究中心进行的一项调查，大多数美国人比预期提前5年退休。
While this sounds like it's giving people more years to enjoy themselves, the reality is that it's giving people fewer years to save and more years to cover and this is almost entirely involuntary.
虽然这听起来像是让人们有更多时间享受生活，但事实上，这让人们储蓄的年限更少，而支付的年限更多，而且这几乎完全是非自愿的。
According to a study published by Propublica, since 2016, 56% of workers over the age of 50 lost their job involuntarily, meaning they either got fired, made redundant or laid off.
根据Propublica发布的一项研究，自2016年以来，56%的50岁以上工人非自愿失业，这意味着他们要么被解雇，要么被裁员。
Now that might not sound too bad, but you have to remember that a lot of people over the age of 50 are choosing to leave their job because they are retiring on their own terms. So the majority being let go is pushing a lot of people out of work.
这听起来可能不算太糟，但你必须记住，许多50岁以上的人选择辞职，因为他们是按照自己的意愿退休。因此，大多数被解雇的人正在迫使许多人失业。
Once they are out, older people are finding it much harder to find a job, especially ones that pay as well as the jobs they were laid off from.
一旦他们离开，老年人会发现找工作要困难得多，尤其是那些薪水和他们被解雇的工作一样高的工作。
Companies don't want to hire older people, because they think that they can't use computers.
公司不想雇佣老年人，因为他们认为老年人不会使用电脑。
They aren't going to be able to do physical work for as long as young workers in non-office jobs.
他们无法像非办公室工作的年轻员工那样长时间地从事体力劳动。
And there is the not so secret reality that older workers are normally less easy to take advantage of than younger workers with their whole career ahead of them.
还有一个众所周知的现实，即老年工人通常比整个职业生涯都还未结束的年轻工人更不容易被利用。
It's technically not legal to discriminate against workers over the age of 40.
严格来讲，歧视40岁以上的工人是不合法的。
Although this law does not protect against discriminating against people under the age of 40, but that's a whole separate issue.
虽然这项法律并不保护对40岁以下的人的歧视，但这是一个完全不同的问题。
It doesn't matter anyway, because any half-competent hiring manager or human resources department could find a reason for hiring a young worker instead of an over 50 worker and this all means the same thing.
无论如何这都无所谓，因为任何一个半能干的招聘经理或人力资源部门都能找到雇用年轻员工而不是50岁以上员工的理由，而这一切都意味着同一件事。
If people lose their jobs over the age of 50, they are almost forced into retirement whether they can afford it or not.
如果人们在50岁以上失业，无论他们是否负担得起，他们几乎都被迫退休。
