美国面临潜在的经济衰退;专家建议金融谨慎和建设储蓄。 U.S. faces potential recession; experts advise financial caution and building savings.

美国面临潜在的经济衰退,J. P. Morgan和Goldman Sachs预测分别高达60%和45%。 The U.S. faces a potential recession, with J.P. Morgan and Goldman Sachs predicting odds of 60% and 45% respectively. 专家建议建立财务缓冲,削减非必要支出,避免不必要的信用卡使用。 Experts advise building a financial cushion, cutting non-essential spending, and avoiding unnecessary credit card usage. 敦促老年人和退休人员审查其投资情况,确保流动资金。 Older individuals and retirees are urged to review their investments and ensure liquidity. 如果有能力,考虑对资产进行投资,但要注意集体储蓄会加剧经济衰退。 If able, consider investing in assets, but beware that collective savings can exacerbate economic downturns. 保持冷静,作出稳定、深思熟虑的财务决定是关键。 Staying calm and making steady, considered financial decisions is key.