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Have you ever calculated the amount of money you will need to have saved in order to enjoy the flow of income necessary to maintain your current lifestyle in retirement¹? 你有没有算过你需要存多少钱才能在退休后还有收入来维持和现在一样的生活？

If your answer is no, the sooner you determine how much you need to have saved, the sooner you can start the critical planning necessary to ensure a comfortable retirement. 如果没有，那还是就快算算吧。越早做决定你就能越早为退休后的生活做计划。

I have often heard millionaires referred to as "the rich people," but did you know if you had one million dollars saved paying you an annualized return of 5 percent a year, you would only be earning $50,000, before paying taxes. 大家都把百万富翁叫"富人"，但是如果你以5%的年利率存入一百万美金，那么你每年的税前收入仅仅是50000美金，这一点你知道吗？

You must also consider the effects of inflation. 你也要考虑到通货膨胀的影响。

As an example, let's say you are 42 years old today and plan to retire when you are 65. 假设你现在42岁，计划到65岁时退休。

Based on 3 percent annual inflation, you will need twice the cash flow at age 65 as you do today to maintain your current lifestyle. 如果年通胀率为3%，那么到你退休时就要用两倍于现在的钱来维持当前的生活。

So let's take a look at how much do you need to save annually² to enjoy a comfortable retirement 你每年要存多少钱才能安度退休生活

Using the medium household income in the U.S of approximately $50,000, 以年收入大约为50000美元的美国中等收入家庭为例，

here are some at-a-glance numbers as to the amount of money you will need to save each year to maintain your current cash flow of $50,000 annually when you reach age 65. 下面列出了一组数据，显示每年要存下多少钱才能在65岁退休时保持现在每年花费50000美金的生活方式。

Age Annual Savings³ Required 25 $10,500 30 $13,500 35 $17,500 40 $23,500 45 $33,000 50 $49,000. 年龄/每年需存下的钱：25/$10500; 30/$13500; 35/$17500; 40/23500; 45/33000; 50/$49000.

These amounts were determined⁴ using an income calculator found on my blog littlethingsmatter on this post. 这些数据都是用收入计算机算出来的。

The rate of return on investments used was 7 percent before age 65 and 3 percent thereafter. An inflation rate of 3 percent was included. 65岁前以7%的投资回报率计算，65岁后则以3%，其中包括了3%的通胀率。

The numbers also assume no current savings and do not take Social Security income into consideration. 这些数据不包括当前的存款，也不考虑社会保障收入。

In each example, all the savings will have run out at age 85. 照这么计算，到85岁时就会用光所有存款。

As if these numbers aren't scary enough, keep in mind that all annual savings (unless placed in pre-tax retirement account) are after tax dollars. 好像这些数据并不是很吓人，但是要记住，所有的年收入都是以税后算的（税前退休账户除外）。

In other words, if your current household income is $50,000 a year, you must pay 25% in taxes before putting your after- tax savings into your investments. 换句话说，如果你现在家庭年收入为50000美元，那么你必须先交25%的税才能用你的存款投资。

So,how many people are prepared? 有多少人准备好了？

Based on all the data I have reviewed and all the calculations I have done, I would bet that less than 3 percent of our population is currently on track with their savings and investments to maintain their current qualify of life during their retirement years. 基于我调查所得数字和所做计算，我敢说目前计算自己存款和投资以保证退休后能保持当前生活质量的人不会超过3%。

The baby boomers (born between 1946-1964) will start reaching age 65 in 2011. 婴儿潮时期出生的那批人（1946-1964年出生的人）到2011年将会陆续达到65岁。

Guess how much they've saved? One report from 2008 indicated they had an average retirement savings of $38,000, excluding pensions, homes, and Social Security. 猜猜他们存了多少钱呢？2008年的一项报告显示，他们的平均退休存款为38000美元，不包括养老金，子女赡养费和社会保障金。

Using 5 percent as an investment return rate, $38,000 would provide a monthly income of $158.Not much you can do with that. 以5%的投资回报率计算，38000美元每月的利息能有158美元。这一点你无计可施。

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