该公司称，最受欢迎的方式是减少总开支、购买人寿保险或尽可能多缴退休金。
Among the most popular ways they are doing this, the company said, is by reducing their overall expenses, securing life insurance or maximizing their contributions to retirement accounts.
为了还清债务或为存更多的退休金，你可能要改变自己的消费习惯，缩紧开支过日子了。
You may also choose to tighten up your spending habits simply to get out of debt or to save more for retirement.
这样的效果有点像退休金从“确定收益”方案向“确定缴费”方案转变。 开支的节省由此而来——因为这一资助并不像如今的那样包罗万象。
The effect would be a bit like changing from a defined-benefit pension to a defined-contribution one.
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