投資平臺Stash新發布的調查數據顯示，40%以上的美國人沒有為退休存錢，而且其中逾三分之一為45歲至65歲人士，即人們通常認為儲蓄高峰的年齡段。

如果只看18歲至34歲的美國人，不為退休存錢的比例則升至50%。雖然儲蓄越早退休越輕松的建議可能有些夸大，也有一定道理（主要應該感謝復利），但年輕人顯然不愛存錢。

Stash于11月在網上調查了2000多名美國人，沒為退休存錢的受訪者中有70%的人表示，根本原因是沒有多余收入可用于儲蓄。

在以負債出名的美國，這樣的情況并非完全出乎意料。40%的受訪者表示沒有為退休存錢是因為正在還債。在美國，尚未償還的聯邦學生貸款總額為1.4萬億美元，此外美國人還欠著1萬億美元的信用卡債務。

認為沒必要為退休存錢的受訪者中，近15%的人在公司里可以參與401K退休計劃，卻選擇不參加；另有50%的人說，不為退休存錢是因為現在說退休還太早，更愿意選擇活在“當下”。

但活在當下并不代表可以不顧未來。約35%的美國人認為，普通人無法按時退休就是因為開始儲蓄的時間不夠早（另有30%的人怪工資低，還有30%的人說因為社會保險等福利不夠多或根本不存在）。

同時，80%的美國人覺得將來可以順利退休，現在存不存錢關系不大。

受訪者對同事的看法沒那么不樂觀。問到其他人能否退休時，近80%的人都表示其他人很難。

最后是可憐的悲觀主義者——近10%的美國人覺得要工作到死，沒退休那一天。如果不想晚景悲慘，現在就開始存錢吧，哪怕每周只存上幾美元也好。（財富中文網）

譯者：Charlie

審校：夏林

Over 40% of Americans are not saving for retirement, according to new survey data from Stash—including over one third of those ages 45 to 65 years old, in what’s normally considered peak saving years.

This number rises to 50% when looking at only individuals ages 18 to 34. Apparently young adults aren’t saving despite the perhaps overly-stated advice that the earlier you start saving, the easier it will be to retire (thank you, compound interest).

According to Stash, who surveyed over 2,000 Americans online in November, 70% of those not saving for retirement say it’s because they don’t have additional income to spare.

In a nation of debt, this isn’t overly surprising: 40% of survey respondents said they’re not saving for retirement because they’re paying off debt. Across the country, there’s $1.4 trillion in federal student loans unpaid, in addition to Americans’ $1 trillion credit card debt.

For those who don’t feel the need to save for retirement, nearly 15% are offered a 401K through their employer, but choose not to take advantage of it. Another 50% of that group say they don’t save for retirement because that day is too far away, and they’d rather elect to live in “the now.”

Living in the present doesn’t mean you should ignore the future, however. About 35% of Americans believe the average person won’t be able to retire because they didn’t start saving early enough (another 30% blame low wages; yet another 30% say it’s because programs like Social Security won’t be enough or won’t exist).

Still, 80% of Americans believe they will be able to retire someday—regardless of if they’re currently saving or not.

Respondents were less optimistic about their colleagues. When asked about the ability of others to retire, nearly 80% said they will not be able to do so.

Then there’s the tragic realists: nearly 10% of Americans think they’ll never stop working. To avoid this category, start saving—even if it’s only a few bucks per week.