许多美国人正在削减退休储蓄,以处理即时费用,从而冒着长期财政安全的风险。 Many Americans are cutting retirement savings to handle immediate costs, risking long-term financial security.

在持续的财政压力下,越来越多的美国人正在采取“软储蓄”——推迟或减少退休金缴款,以支付直接开支。 A growing number of Americans are adopting "soft saving" — delaying or reducing retirement contributions to cover immediate expenses — amid ongoing financial pressures. 虽然这种办法可以提供短期救济,但专家们警告说,这种做法可能危及长期财政安全,特别是因为通货膨胀和生活费用持续上升。 While this approach offers short-term relief, experts warn it may jeopardize long-term financial security, especially as inflation and rising living costs persist. 这一趋势凸显了家庭之间在平衡当前需求与未来稳定之间更广泛的斗争。 The trend highlights a broader struggle among households balancing present needs with future stability.