麦德利说，人们需要在他们的退休账户之外另行存钱。
'People need to save money outside of their retirement account,' says Mr. Medley.
比如，为一个美好的假期而存钱。有些人每个月都会攒一点钱，一来能挣些利息，二来将来急用的时候，银行账户里能有更多的钱备用。
Some people try to put a little money aside each month so they can earn interest on it and have more money in the bank whenever they need it in the future.
比如，为一个美好的假期而存钱。有些人每个月都会攒一点钱，一来能挣些利息，二来将来急用的时候，银行账户里能有更多的钱备用。
Some people try to put a little money aside each month so they can earn interest on it and have more money in the bank whenever they need it in the future.
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