迄今为止，只存在最薄弱的公共资助医疗和养老金系统，这加强了人们在工作时储蓄的动机。
There is, to date, only the flimsiest of publicly-funded health care and pension systems, which increases incentives for individuals to save while they are working.
德美利证券公司的该项研究调查了2000名40至79岁的成人，研究表明，由于寿命延长，美国人也在增加储蓄以留存养老储备金。
Because of longer life spans, Americans are also boosting their savings to preserve their nest eggs, the TD Ameritrade study showed, which surveyed 2,000 adults between 40 to 79.
例如，如果人们在就养老金储蓄作出决定时利用固定贴现率，他们可能在储蓄达到适当数目后停止储蓄。
If people applied constant discount rates when they made their decisions about retirement, for example, they would end up saving about the right amount.
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