超过三分之一的美国工人获得了退休储蓄,这有长期财政健康的危险。 Over one-third of U.S. workers have accessed retirement savings, risking long-term financial health.

根据Transamerica Institute的一份报告,三分之一以上的美国工人通过贷款、提前提款或艰苦条件分配,利用了退休储蓄。 More than one in three U.S. workers have tapped retirement savings via loans, early withdrawals, or hardship distributions, according to a Transamerica Institute report. 专家警告这些行动会引发税收、处罚和降低复合增长,特别是当资金没有按时偿还时,从而损害长期金融安全。 Experts warn these actions can harm long-term financial security by triggering taxes, penalties, and reduced compound growth, especially when funds aren’t repaid on time. 虽然有些在紧急情况下使用这些选项,但专业人员敦促作为最后手段对待这些选项,并优先考虑紧急储蓄和财务规划,以避免耗尽退休账户。 While some use these options during emergencies, professionals urge treating them as a last resort and prioritizing emergency savings and financial planning to avoid depleting retirement accounts.