If necessary the savings rate or the retirement date may have to change.

如果有必要，储蓄率或者退休日将被调整。

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By 2030, experts like Alicia Munnell of Boston College's Center for Retirement Research predict, the "replacement rate" will drop to 30 percent.

专家(波士顿大学的退休研究中心的艾丽西亚)预测，到2030年，这个数目变成30%。

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Deferring income until retirement may result in paying taxes on that income at a lower rate.

把收入延迟到退休的时候来交税可以让收入按低一点的税率来交税。

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As the Baby Boomer demographic hump inexorably inched its way toward retirement their savings rate steadily fell.

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And if you spend more than your safe spending rate in retirement, you will not have any working years to recover.

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