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The $1 Million Retirement Myth: Here’s What to Save Instead People are often too rigid with their long-term savings benchmarks. Experts say it’s a costly mistake.
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164 天前
2026-04-27 10:00:18 UTC
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164 天前
2026-04-27 10:00:18 UTC
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127 天前
2026-06-03 05:05:03 UTC
许多美国人将 100 万美元视为退休储蓄的黄金标准，但专家指出，这种单一的数字设定过于简化了退休规划。更合理的做法是根据个人收入替代率和年龄薪资倍数来制定个性化目标。
The common belief that $1 million is the magic number for retirement is a myth that oversimplifies planning. Experts suggest using personalized benchmarks, such as income replacement rates and age-based salary multiples, to build a more realistic retirement plan.
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