Putting together your plan
整合计划
If enjoying a comfortable retirement is important to you, you cannot procrastinate with your retirement planning. You can’t hope and pray that somehow everything will work out. The baby boomers who had this attitude will soon pay the price for their lack of planning. The only bailout plan they can hope for is the guest bedroom at one of their children’s homes.
如果退休后的生活质量对你很重要，你就要开始制定退休计划了g=o[oNK6!mMSCxWhGSf。婴儿潮时期出生的那批人如果指望事事顺利，他们不久就会尝到缺乏计划的苦头了aml6D_#Q!gT|W+C1w_。他们唯一能指望的就只剩下子女的赡养了b,RSjbUA|FYG-jZrD=。
The quality of life you enjoy during your retirement years will largely be based on your decisions. Financial security comes from making a series of good financial decisions over time, while financial failure comes from making a series of poor financial decisions over time. In looking at your balance sheet, how have you been doing with your financial decisions?
你的决定极大地影响着退休期间的生活质量c]|p#^wY8YZe_9Qr[。你的财政决策的好坏决定着你的财政安全与否A0K,sg&@QY^。看看你的收支表，你一直以来都是怎样做财政决策的？
Here are my suggestions:
下面是我的建议：
1. Make a commitment to yourself today that you are going to start making well-informed financial decisions. This includes educating yourself, seeking wise counsel and proper planning.
1.今天起，对自己做一个承诺：开始仔细做财政决策N0!Yf,j(wh4U%rw(m|M。这样的决策包括自学，寻求高明的建议以及正确计划^OM,i@dB3sJ7ImQER。
2. Get started NOW. According to Albert Einstein, “The most powerful force in the universe is compound interest.” No more procrastinating. It’s time to get started. The sooner you do, the sooner your money will start working for you.
2.事不宜迟u8[2ENHYC;B8ujlE^nq。爱因斯坦说过：“宇宙中最强大的力量就是复利#oQcdv%d.Ta。”拒绝拖延，是时候开始了xe8~]yy9cS@daxlDs-[。做得越早，钱就挣得越多q@k75(JVv|(FqBk=|fG。
3. Determine your current household budget. If you aren’t actively following a budget, its time to start taking responsibility for your finances.
3.决定当前的家庭预算i#]I3+)V2JdqOLcE。如果你不喜欢按预算花钱，现在是时候该为自己的资产负责了h[UNaSO(-R1Vcu。
4. Using an income calculator, get an idea as to the amount of money you will need to save each year to enjoy the lifestyle you desire during your retirement years.
4.使用收入计算器算出为了退休后能享受生活，现在需要每年存下多少钱l_AFHTRUEDB|^Eecd^。
5. Meet with a certified financial planner or financial advisor with a proven track record THIS MONTH who can help you through this planning process. (Ask someone you respect for a referral or search here.) There are numerous factors beyond those used in an income calculator that need to be taken into consideration.
5.找一个合格的理财规划师或者理财顾问，确保他们有可靠的工作业绩(Zd[xJkOjx。他们能协助你完成财务决策的过程8SPfahtXWweU83tDU。（请一个你敬重的人给你推荐或在这里搜索8S0%ghvIWVB[。）除了用收入计算机算出的那部分外，还有许多因素需要考虑snJABSZHmUco%zW|S。
6. Invest as much of the money you save into qualified retirement plans, such as a 401K, ROTH IRA, or SEP IRA. These types of plans will allow your investments to grow tax deferred, and with some plans you can invest pre-tax dollars. As an example, I wrote a check this week for my 2010 SEP IRA. This investment is subtracted from my gross income and, therefore, I do not pay taxes on this money until it is withdrawn. (It’s pre-tax dollars that grow tax deferred.)
6.尽可能多的把你的存款投入到退休计划中oWzB9OHK5BkK6n^b。例如，401退休福利计划，罗斯个人退休金账户或者简易雇员退休金计划Qk%8tTZX^a*9。这些计划可以让你延迟纳税，还能通过某些计划进行税前投资qjsrBoc+LtyRFr^y。比如说，本周我为我的简易雇员退休金计划写了张支票，这样的投资从我的总收入里扣，因而我把钱取出来之前是不用交税的q+_UtawBLmHL!dI[SY5V。（这就是能延迟纳税的税前投资qs=iD|Zh0F@5eXM0TFnx。）
If your company offers a matching 401K program I would highly suggest taking full advantage of it.
如果你的公司有统一的401退休福利计划，我强烈建议你充分利用好这一福利;@R&t=roX^X(u。
7. Don’t make risky investments. I have seen far too many people get greedy and lose all their money. If something sounds to good to be true, run from it. You are better off living a reduced quality of life during retirement than no quality of life.
7.不做风险投资cG%+S@gA81tz=y。我见过太多因贪婪而得不偿失的人了,1|D,;[)jkg29.]#@Sh。如果某件事听起来好得令人难以置信，那么赶紧放开KdMFmW^*rW;%JR。就算退休后不再有那么好的生活也总比一点也不好的生活要强d9j4hS;5sFeHUk。
8. Step up your game. Use this as motivation to become The Best of the Best at what you do. Move Up the Pay Scale and become a leader in your field of expertise. Increasing your income gives you the best opportunity to properly prepare for retirement while maintaining an optimal lifestyle today.
8.提升你的水平Q&;mgSZXy26r*abdP+U。把这当成一种动力，成为你所在行业的精英中的精英+~nK[=PSVt。提升工资，成为你所在领域的领头羊jn#.GeiFE2C7ZD~3_Sy,。提高收入既让你当下能够拥有最理想的生活方式，也是你好好准备退休计划的最好契机5hpR9#Z=pCq,5[hG..r。
If you are not on track to achieving your retirement income objectives, let me encourage you to take control of your finances in 2011 and start planning for your future.
如果你没有实现退休收入目标，我鼓励你开始规划未来，并掌控好2011年的财务kMB=f.T!e0(s(H0uHT~。
Not planning for retirement is like living with a disease and not doing anything about it. Eventually it will raise its ugly head; when it does, it will be too late.
不为退休生活做计划就像身患疾病却又放任自流0](YjA^[58fo0J|。总有一天，我们要为此付出代价，当那一天到来，一切都太晚了gtVcck(dT-ixwbl^^&lT。