[1] OMore Americans are opting to work well into retirement, a growing trend that threatens to upend the old workforce model. [2] OOne in three Americans who are at least 40 have or plan to have a job in retirement to prepare for a longer life, according to a survey conducted by Harris Poll for TD Ameritrade.❷Even more surprising is that more than half of "unretirees'” plan to work in retirement or went back to work after retiringaid they would be employed in their later years even if they had enough money to settle down, the survey showed・ [3]
❶Financial needs aren't the only culprit for the Uunretirementn trend・❷Other reasons, according to the study, include personal fulfillment such as staying mentally fit, preventing (27) boredom or avoiding depression. [4] dhe concept of retirement is evolving,said Christine Russell, senior manager of retirement at TD Ameritrade.❷Tt's not just about finances・ ®The value of work is also driving folks to continue working past retirement." [5] OOne reason for the change in retirement patterns: Americans are living longer. ❷Because of longer life spans, Americans are also boosting their savings to preserve their nest eggs, the TD Ameritrade study showed, which surveyed 2,000 adults between 40 to 79. ❷Six in 10 uunretireesM are increasing their savings in anticipation of a longer life, according to the survey・ ❷Among the most popular ways they are doing this, the company said, is by reducing their overall expenses, securing life insurance or maximizing their contributions to retirement accounts・ [6] OUnfortunately, many people who are opting to work in retirement are preparing to do so because they are worried about Wealth making ends meet in their later years, said Brent Weiss, a co founder at Baltimore-based financial-planning firm Facet Wealth. ❷He suggested that preretirees should speak with a financial adviser to set long-term financial goals. [7JOtaThe most challenging moments in life are getting married, starting a family and ultimately retiring,M Weiss said.❷"It's not just a financial decision, but an emotional one. ❷Many people believe they can't retire.^ m
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更多的美国人选择在退休后继续正常工作， 这一日益增长的趋势可能会颠覆旧的劳动力 模式。 哈里斯民意调查机构为TD Arneritmde 亚美利交易控股公司)开展的一项调查显 示，在40岁及以上的美国人中，有三分之一 一those who 的人已经或计划在退休后拥有一份工作，为 长寿做准备。更令人惊讶的是,该调查显示， 超过一半的“不退休者”——那些计 划退休后继续工作或退休后重返工作岗位的 人——表示即使已经有足够的钱过安定的生 活，他们也会在晩年继续就业。 经济需求并不是形成“不退休”趋 势的唯一原因。这项研究显示，其他原因还包 括个人成就感，例如保持精神健康、防止无聊 或避免抑郁。 退休的概念正在演变，” TD Ameritrade退 休部门高级经理克里斯汀•拉寒尔表示。“这 不仅关乎财务状况。工作的价值也促使人们在 退休后继续工作。” 退休模式发生变化的一个原因是： 美国人的寿命延长了 o TD Ameritrade调查了 名40岁到79岁之间的成年人，研究结果 显示，由于寿命延长，美国人也在增加积蓄以 保存自己的储备金。该调查显示，因为预计寿 命会延长，60%的“不退休者”正在增加他们 的积蓄。该公司表示，(29)这些“不退休者” 增加积蓄最普遍的方式之一是减少总开支、购 买人寿保险或最大限度地增加退休账户供款。 总部位于巴尔的摩的财务规划公司Facet 的联合创始人布伦特・韦斯说，(30)丕 幸的是，许多选择退休后继续工作的人正准备 这样做，因为他们担心晚年的收支平衡。他建 议，即将退休的人应该与财务顾问谈谈，以制 定长期的财务目标。 人生中最具挑战性的时刻是结婚、组建家 庭和最终退休，”韦斯说。“这不仅是一个财 务决策，也是一个情感决策。很多人认为自己 不能退休。” 篇章结构 第一、二段：引出话题——更多的美国人j第一段：更多的美国人选择在退休后继续正常工作 选择在退休后继续工作［第二段：利用调查数据佐证更多的美国人愿意在退休后继 续工作 退休正在 第三段: 经济需求和个人成就感可推动形成“不退休”趋势 消亡吗？ 第三至六段：分析美国人选 第四段: 工作的价值促使人们退休后继续工作 择退休后继续＜ 第五段: 寿命延长促使美国人开始增加他们的积蓄 工作的原因 第六段: 许多人担心晚年的收支平衡 第七段：总括全文——弓I用布伦特•韦斯的话指出，出于财务决策和情感决策，美国人认为自己不能退休