??◆双语阅览
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america is facing a retirement crisis.?most experts agree that a significant portion of the population will lack the resources to live comfortably after they stop working. this, in turn, will place an increasing burden on the country’s social safety net. exactly how big is the problem? put it this way: under reasonable assumptions, it could overwhelm state budgets across the country.
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美国面临着一场退休危机。许多专家都认为，许多人在退休后都将短少获得舒畅日子的本钱，这是大都专家认同的事。这反过来将给国家的社会平安保证带来越来越大的担负。这个疑问究竟有多严峻呢？这么说吧：在合理的假定下，它可以会压垮全国的国家核算。
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so will they have enough? the center for retirement research at boston college — which has been studying financial preparedness for more than a decade —?estimates that about half of working-age households are “at risk,” meaning they’re on track to fall more than 10% short of the income they’ll need to retire comfortably. in dollar terms, that amounts to a retirement-savings shortfall of about $7 trillion. and that assumes no future cuts in social security benefits.
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那么退休人士的钱够花吗？十余年来一向尽力于研讨资金贮藏疑问的波士顿学院退休研讨中心估量，约有一半正处于劳作年纪期的家庭归于“风险”状况，这意味着他们的收入将比他们过上宽余的退休日子所需的收入低10%以上。以美元计，这恰当于一个约7万亿美元的退休储蓄缺口。而这一数字的假定条件是将来不呈现削减社会保证福利的情况。
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granted, people can reduce the shortfall by working beyond the age of 65, the cutoff that the center uses for its calculation. many already do: as of december, about a third of people aged 65 to 69 were employed. but there are limits. it’s much harder for, say, a truck driver to work until 70 than it is for a college professor. and even if half of all workers kept going past 65, the share of the population “at risk” would fall only to about a third. that’s still a terrible outcome for one of world’s richest nations.
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当然，我们可以将作业时刻延伸到65岁（研讨中心用于核算的分鸿沟），来抵偿退休金的缺口。许多人现已采纳了这样的做法。到12月，65至69岁集体中约有三分之一的人处于作业状况。但这是有捆绑的。比方说，一个货车司机作业到70岁，比一个大学教授作业到70岁要可贵多。即便有一半的作业者一向作业到65岁以上，有“退休风险”的人员比例也只会降低到正本的三分之一支配。关于美国这个世界上最赋有的国家之一来说照常不容旷达。
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the lack of savings is more than a humanitarian crisis. it’s also a fiscal disaster in the making. the more people reach retirement with inadequate resources, the more they will rely on welfare programs such as medicaid, food stamps and supplemental security income.?
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储蓄缺乏不只是是一场人道主义危机。这也是一场正在酝酿中的财务灾害。越多的人在本钱缺乏的情况下面临退休，他们就越需要依托联邦医疗补助、食物券和弥补社保收入等福利项目。
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one study estimates that by 2030, seniors will require an added $7 billion in public assistance annually in the state of new jersey alone. that’s almost a fifth of the current state budget.? what to do? people can work only so long, and they’re not going to die sooner. this leaves one solution: get them to save more.?
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一项研讨估量，到2030年，仅在新泽西州，晚年人每年就需要添加70亿美元的公共协助。这几乎占到了当前该州财务核算的五分之一。该做些啥？我们的作业年限是有限的，他们也并不会很快去世。这就只剩一种处置办法：让我们存更多的钱。
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这篇文章节选自：the washington post（华盛顿邮报）
发布时刻：2022.03.28
作者：the editors
原文标题：america’s retirement crisis is a financial crisis too
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◆词汇堆集
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1.shortfall
英?[????tf??l]??美?[????rtf??l]?
n. 差额；短少
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2.humanitarian
英?[hju??m?n??te?ri?n]??美?[hju??m?n??teri?n]?
adj. 人道主义的，博爱的；基督俗人论的
n. 人道主义者，博爱者；慈悲家；基督俗人论者
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3.fiscal
英?[?f?sk
l]??美?[?f?skl]?
adj. （政府）财务的；<美>财务年度的；<美>金融的
n. <旧>（某些国家的）查看官，财务官员；领伯劳【名】 （fiscal）（法）菲斯卡尔（人名）
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◆词组分配
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1.on track? ?走上正轨
2.food stamp? ? 发给赋闲者或穷户的粮票
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◆写作句总结
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原句：in dollar terms, that amounts to a retirement-savings shortfall of about $7 trillion.
规划：in xxx terms, that amounts to xxx.
例句：in terms of school, the savings could provide breakfast for the entire school for a year.????