读者文摘:文森特一家的退休财务计划(1)（在线收听）

Vincent Martin is 56 and on track to retire right on time at 65.

文森特·马丁现年56岁，65岁时将准时退休。

That's no small feat, considering that he has never used a financial adviser or other investment advice.

这是个不小的壮举，考虑到他从未使用过理财顾问或者其它投资建议。

A Navy veteran and an IT engineer who lives in Aurora, Illinois, Vincent is proud to have gotten here on his own.

作为一名退伍军人和生活在伊利诺斯州奥罗拉市的IT工程师，文森特很自豪靠自己走到了今天。

"There's nothing a financial adviser will tell you that you can't find written online somewhere," Vincent says.

文森特表示，“理财顾问告诉你的东西在网上都能找到。”

He has tried to help his daughters start their own retirement funds too. Self-driven financial planning isn't for everyone.

他也尝试帮助他的女儿也建立他们自己的退休基金。自我驱动的理财计划并不适合所有人。

We all face a future of fluctuating costs—especially the costs of living and health care—and that means preparing for retirement can feel like trying to hit a moving target.

我们都面临着一个变动成本的未来，尤其是生活和医疗的成本，这意味着为退休做准备就像是尝试击中一个移动的目标。

Vincent's path provides many good, all-purpose lessons on how to maximize your nest egg.

文森特的道路提供了很多如何最大化你的积蓄的好的、通用的经验。

But we also did what he wouldn't: We asked financial advisers for further insight on his strategy.

但是我们也做了他没有做的事情：我们请财务顾问对他的策略进行了进一步的分析。

Vincent's retirement goal all along has been clear: "I don't want to have to work," he says. "I've been working since I was 14, and quite frankly, I'm tired."

文森特的退休计划一直都是清晰的：“我不想工作。”他说。“我从14岁就开始工作了，老实讲，我累了。”

Starting to save was perhaps the hardest part. After serving in the Navy for 15 years, Vincent found himself working full-time as an IT consultant and "just barely getting by."

开始存储也许是最艰难的部分。在军队服役15年后，文森特找了一份全职的IT顾问的工作，“勉强过得去”。

On top of that, he was enrolled in college and got married to his wife, Pamela Martin.

除此之外，他进了大学，娶了自己的老婆帕梅拉·马丁。

He wasn't able to contribute much to a 401(k) retirement-savings account until his mid-30s, when he became a systems administrator at a bank.

直到35岁左右，他才为401k退休储蓄账户缴纳了很多钱，那时他成为一家银行的系统管理员。

In many ways, Vincent's story is typical.

在很多方面来讲，文森特的故事都是典型的。

A March 2018 Bankrate survey found that one fifth of Americans aren't saving any money for things such as retirement, chiefly, they say, because they can't afford to.

2018年3月的一项银行利率调查发现，五分之一的美国人没有为退休等事情存钱，主要是因为他们负担不起。

"Like a lot of Americans, I was in survival mode," he says. "I didn't have any money to put away for retirement, and all of my money was tight.

他说，“像很多美国人一样，我处在一个求生的模式中。我没有钱存起来养老，我所有的钱都很紧张。

I had no liquid assets after I paid all of my bills."

我支付了所有账单后就没有流水资金了。

But as Vincent's career and pay-checks progressed, he taught himself the ins and outs of retirement preparation.

但是随着文森特生涯的继续和薪水的增长，他自学了退休准备的来龙去脉。

He sought out as much educational material as he could, including financial magazines and Vanguard's online investment tools and calculator.

他尽可能多的寻找了学习资料，包括金融杂志和先锋集团的在线投资工具和计算器。

He contributes 5 percent of his pretax salary to a 401(k) through his employer and receives a 5 percent company match.

他通过雇主将税前工资的5%缴纳到401k计划中，并获得5%的公司补贴。

He invests in a mix of bonds held in an IRA to ensure stability in retirement and CDs, and he has gradually funneled more of his money to less volatile investments as he has gotten older.

他投资个人退休账户中持有的混合债券，以确保退休和信用违约掉期的稳定。随着年龄的增长，他逐渐将更多的钱投入波动性较小的投资。

So far, he has managed to save about $400,000, and he hopes to double that by the time he retires.

到目前为止，他已经设法存了大约40万美元，他希望退休时能把这个数字翻一番。