中美州为退休节省了955美元,在财务安全方面引起警钟。 Median American has $955 saved for retirement, raising alarm over financial security.

一项新研究发现,美国工人中位数在401(k)等计划中仅节省955美元用于退休,这在自动化和AI导致的失业增加的同时,引起对财政保障的警钟。 A new study finds the median American worker has only $955 saved for retirement in plans like 401(k)s, raising alarms about financial security amid rising job losses from automation and AI. 虽然计划持有者储蓄较高——中位数为40 000美元,平均为179 082美元,但调查结果突显了日益严重的退休危机,特别是由于数十年的借贷,社会保障面临长期的可持续性问题。 While plan holders have higher savings—$40,000 median and $179,082 average—the findings highlight a growing retirement crisis, especially as Social Security faces long-term sustainability issues due to decades of borrowing. 专家们警告说,如果不扩大私人储蓄倡议和系统改革,数以百万计的人在老年可能面临金融不稳定,国家支助的替代方案有限。 Experts warn that without expanded private savings initiatives and systemic reforms, millions could face financial instability in old age, with limited alternatives to state support.