读者文摘:文森特一家的退休财务计划(2)（在线收听）

To maximize his benefits, he also plans to wait as long as possible—until age 70—to draw from Social Security.

为了最大化他的收益，他也计划等待尽可能长的时间，直到70岁才从社会保险中支取出来。

He expects to receive around $3,500 per month, or $42,000 a year, before taxes.

预计他将拿到税前每月3500美元，或者每年42000美元。

(Yes, Social Security benefits may be subject to taxes.) Will that be enough? Possibly.

（是的，社会保障福利可能会受税的支配。）这够吗？可能吧。

Assuming that Vincent's planned $800,000 nest egg earns a very conservative 6 percent,

假设文森特计划的80万美元储蓄只赚了6%，这个比例非常保守，

that would mean $48,000 a year in proceeds (also before taxes) that he could draw on without touching any of the principal.

这意味着，他每年可以在不触及任何本金的情况下提取4.8万美元的收益(也包括税前收益)。

According to the Bureau of Labor Statistics, the average retired family spends $45,756 a year.

根据美国劳工统计局的数据，退休家庭平均每年的支出为45756美元。

His 401(k) and Social Security would easily cover that. Yet despite Vincent's planning, life has thrown some curveballs at the Martins.

他的401(k)退休计划和社会保障计划很容易就能支付这个。然而，尽管有文森特的计划，生活还是给马丁夫妇带来了一些麻烦。

The biggest is that Pamela was diagnosed with multiple sclerosis and hasn't been able to work for 20 years.

最大的问题是帕梅拉被诊断出患有多发性硬化症，已经有20年不能工作了。

She draws a Social Security disability income, around $1,500 per month, and receives benefits from long-term disability insurance, which will disappear when she turns 65.

她每月领取大约1500美元的社会保障残疾收入，并从长期残疾保险中获得福利，而当她65岁时，长期残疾保险将会消失。

Vincent has been creating an additional pool of funds, what he calls a slush fund, to cover both of their medical costs.

文森特一直在创建一个额外的资金池，他称之为“备用基金”，以支付他们的医疗费用。

"We're doing as well as we can to prepare," Vincent says.

文森特表示，“我们正在尽最大努力做准备。”

"I'll care for her for as long as I can in our house, but there will come a time when she will need at least part-time nursing care."

“我会尽可能长时间的在家照料她，但是将来有一个时间她会至少需要兼职护理。”

Joyce Petrenchak, wealth strategy regional director at PNC Wealth Management, says that people who are worried about rising health-care costs should look into long-term care policies.

PNC财富管理公司财富策略区域主管乔伊斯·佩钦切克说，担心医疗成本上升的人应该考虑长期的医疗政策。

The catch, however, is that these plans may not cover preexisting conditions, so it's important to enroll sooner rather than later.

然而，隐患在于这些计划可能不能应付先前存在的情况，所以尽早加入是重要的。

Also, these policies don't cover every cost. The most affordable ones will help pay for in-home assistance with daily activities, such as bathing and dressing.

此外，这些政策并不能覆盖所有成本。最实惠的将帮助支付家庭日常活动援助，如洗澡和穿衣。

You can pay for more care, but the "bells and whistles" you get are less important than the peace of mind, says Petrenchak.

佩钦切克说，你可以支付更多的医疗费用，但是你得到的附属的东西可不如你内心的平静重要。

"These policies give you flexibility and liquidity when you need it," she says.

她说，“这些政策在你需要的时候可以给你灵活性和流动性。

Mindful of his own struggles to save, Vincent has been working over-time to support his children's efforts.

考虑到自己的努力储蓄，文森特一直在加班工作，以支持他的孩子们的努力。

Cherlyn Thomas, the Martins' oldest daughter, has her retirement savings on autopilot.

马丁家的大女儿切琳·托马斯的退休储蓄处于自动控制状态。

A vice president of education services at a school in Chicago and a single parent to 13-year-old Jason, Cherlyn has a 401(k) and 403(b), a similar tax-incentivized retirement account.

切林是芝加哥一所学校负责教育服务的副总裁，也是13岁的杰森的单亲妈妈。他拥有401(k)和403(b)两个类似的税收激励退休账户。

She has increased her contributions twice but doesn't keep an eye on her investments. That's actually a good thing.

她两次增加了缴款，但没有注意她的投资。这实际上是一件好事。