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9. They haven't avoided retirement planning.
9. 他们不排斥退休计划。
If you're in your 20s or early 30s, retirement planning may be the farthest thing from your mind. But if you want to be financially happy in your later years, you need to start now.
如果你现在是20多岁或30岁出头，退休计划可能是你最不会想到的事情。但如果你想晚年在经济上宽裕些，现在就要开始考虑了。
Retirement planning isn't something to put off until you're in your mid-30s. The age that you start preparing dictates your quality of life in retirement. Financially happy people think long-term and they know that the decisions they make today have a major impact on their financial future.
退休计划不是推迟到35岁左右才考虑的事。你开始准备的年龄决定了退休后的生活质量。在经济上有幸福感的人会从长远考虑，而且他们知道今天做出的决定对未来的财务情况有重大影响。
