遇见未来的你,想想退休的事.docVIP

遇见未来的你,想想退休的事 Meet Future You. Like What You See? 遇见未来的你，想想退休的事 Tessa Price, a 22-year-old college senior, is gazing into a mirror in a virtual-reality laboratory at Stanford University. Looking back at her is Tessa Price—at the age of 68. 22岁的大四学生泰莎?布莱斯(Tessa Price)在斯坦福大学(Stanford University)的虚拟实境实验室里凝视着一面镜子。镜子里头是未来的她自己——68岁的泰沙?布莱斯。 Staring into a mirror today and seeing yourself as you will look in the year 2057 is unnerving. But that may be just what it takes to shock Americans into saving more. At Stanford and other universities, computer scientists, economists, neuroscientists and psychologists are teaming up to find innovative ways of turning impulsive spenders into patient savers. 看到镜子里出现一个2057年的自己，多少会让人有些毛骨悚然；但说不定只有通过这种方式，受到惊吓的美国人才会愿意为自己多存一点钱。在斯坦福大学和其他一些大学院校，电脑科学家、经济学家、神经学家和心理学家正联合起来，寻找各种创新方法，把花钱大手大脚的人转变成为耐心的储蓄者。 The stakes are high. Employers, having cut back on fixed pensions for years, have pushed workers into 401(k)s and other voluntary retirement plans that offer variable rates of return. Policy makers have tinkered with tax and other incentives to encourage savings. Mutual-fund and insurance companies, sniffing trillions of dollars on which they could earn management fees, have pushed relentlessly to get people to save more. 这关系到很多人的切身利益。多年来，企业一直在削减员工的固定养老金，让员工加入401(k)和其它一些自愿性质的退休养老计划，但这些计划提供的是非固定的投资回报。此外，政策制定者在小打小闹地推出税收等优惠政策，鼓励人们储蓄。共同基金和保险公司则看中了数以万亿计的退休基金能赚取大量管理费，因此也不遗余力地试图说服人们更多地存钱。 And yet, according to the Center for Retirement Research at Boston College, 51% of American households are at risk of being unable to maintain their standard of living in retirement, up from 43% in 2004. The center estimates that savings shortfall at $4.2 trillion, or roughly $120,000 per household at risk. In sum, despite decades of badgering, Americans are farther behind than ever in their struggle to save. 不过，根据波士顿学院(Boston College)退休研究中心(Center for Retirement Research)的统计，51%的美国家庭退休后有可能无法维持原有的生活标准，比2004年的43%有所增加。该中心估计，美国人在退休储蓄方面的缺口高达42万亿美元，折算下来就是每个家庭大约有12万美元的缺口。总的来说，虽