在许多国家，雇主可能会提供一些退休储蓄计划。
In many countries, employers may offer some kind of retirement savings plan.
奥巴马正在通过加快退休储蓄计划的实施和鼓励雇主提高员工供款额度来推动这一进程。
Mr Obama is pushing this process along by making retirement-saving plans more readily available and encouraging employers to increase employee contributions.
使企业更容易在401 (k)方案中自动为其雇员注册或者建立其他的退休储蓄计划。
Make it easier for firms to automatically enroll their workers in 401 (k) and other retirement saving plans, by streamlining the process for changing the terms of plans.
美国股市跌至低谷已届一年，许多人失去了工作，他们退休储蓄的花费比他们原计划的要快得多。
A year after the stock market hit bottom, plenty of people are out of work and spending their retirement savings much sooner than they had planned.
她说由于没有收入来源，退休储蓄也缩水，她已减少开支，并计划在节日里减少送人的礼物。
She says she has cut back on spending and plans to give fewer gifts this holiday season due to her lost income and diminished retirement savings.
薪资减少计划可以说是最容易的退休储蓄办法。
Salary reduction plans are among the easiest ways to build retirement dollars.
相对于收益率为3.36%的美国国债，《退休计划达人指南》的作者之一林道尔(MelLindauer)对通货膨胀指数储蓄债券更为青睐。
Mel Lindauer, co-author of 'The Bogleheads' Guide to Retirement Planning,' is fond of I-bonds, inflation-adjusted savings bonds from the Treasury that are yielding 3.36%.
将每一次薪水中的一部分实现存钱目标。向银行或信贷联盟询问工资储蓄计划，调查雇主为你出资的退休计划。
Set aside some of each paycheck for savings goals. Ask your bank or credit union about payroll savings plans and investigate your employer-sponsored retirement plan.
正如我一样，每个家长都在为如何教会孩子关于缴税，退休金计划，为未来储蓄和一切基本的金融知识而苦恼。
All parents struggle with how to teach children about taxes, 401(k) plans, saving for the future and other critical financial skills.
退休后，自动启动个人退休金账户，无需通过公司的退休计划，以推动退休储蓄。
Boost retirement savings by automatically enrolling people without access to a workplace retirement plan in an Individual retirement Account.
他的发现还会对公众或私人的退休金储蓄计划的制订有所帮助。
His findings also have implications for the design of both public and private retirement savings plans.
企业年金还是一种长期的储蓄计划，在将来特定的日期，如在退休的时候，年金持有人将获得一笔收入。
Annuities also consist of long-term savings plans that promise the payment of a stream of income to annuity holder beginning on a designated future date, such as at retirement.
但雇主计划不该只是你为退休储蓄的唯一方法。
But an employer plan should not be your only way to save for retirement.
同时，他们的退休金计划正在逐步地缩减规模。假如他们渴望享受一段舒适的退休生活，退休金计划则需要他们储蓄更多，而不是更少。
Meanwhile their pension schemes are steadily being made less generous, a process that will require them to save more, not less, if they want to enjoy a comfortable retirement.
她还说，求职者现在会询问有关培训、提升、住房、储蓄计划等方面的问题，而最近又会问及退休待遇。
Job candidates are asking about training, promotions, housing, savings programs and, recently, retirement benefits, she says.
她也许还没有严格的储蓄计划，然而，有一点她对自己的未来很清楚，“我对退休的看法同我的父母不同，我把退休看作重新调整生活的重心，而不是坐在安乐椅上享清闲。”
" Maybe not, but Westheimer is clear about her future in one sense: "I'm thinking of my retirement as different from the one my parents considered. I see it as a refocus, not a rocking chair.
她也许还没有严格的储蓄计划，然而，有一点她对自己的未来很清楚，“我对退休的看法同我的父母不同，我把退休看作重新调整生活的重心，而不是坐在安乐椅上享清闲。”
" Maybe not, but Westheimer is clear about her future in one sense: "I'm thinking of my retirement as different from the one my parents considered. I see it as a refocus, not a rocking chair.
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