单词很忙

More Americans are opting to work well into retirement, a growing trend that threatens to upend the old workforce model. 

One 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. Even more surprising is that more than half of “unretirees”—those who plan to work in retirement or went back to work after retiring—said they would be employed in their later years even if they had enough money to settle down, the survey showed.

Financial needs aren’t the only culprit for the “unretirement” trend. Other reasons, according to the study, include personal fulfillment such as staying mentally fit, preventing boredom or avoiding depression. About 72% of  “unretiree” respondents said that they would return to work once retired to keep mentally fit while 59% said it would be tied to making ends meet.

“The concept of retirement is evolving,” said Christine Russell, senior manager of retirement at TD Ameritrade. “It’s not just about finances. The value of work is also driving folks to continue working past retirement.”

One reason for the change in retirement patterns: Americans are living longer. The share of the population 65 and older was 16% in 2018, up 32% from the prior year, according to the US. Census Bureau. That’s also up 302% since 2010. Older Americans are also the fastest-growing segment of the US. workforce, and boomers are expected to live longer than previous generations. The percentage of retirement-age people in the labor force has doubled over the past three decades. About 20% of people 65 and older were in the workforce in February, up from an all-time low of 10% in January 1985, according to money manager United Income.

Because of longer life spans, Americans are also boosting their savings to preserve their nest eggs, the TD Ameritrade study showed, which surveyed 2000 adults between 40 to 79. Six in 10 “unretirees” are increasing their savings in anticipation of a longer life, according to the survey. Among 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. 

Unfortunately, many people who are opting to work in retirement are preparing to do so because they are worried about making ends meet in their later years, said Brent Weiss, a co-founder at Baltimore-based financial-planning firm Facet Wealth. He suggested that preretirees should speak with a financial adviser to set long-term financial goals. 

“The most challenging moments in life are getting married, starting a family and ultimately retiring,” Weiss said. “It’s not just a financial decision, but an emotional one. Many people believe they can’t retire”

越来越多的美国人选择工作到退休，这一日益增长的趋势可能会颠覆旧的劳动力模式。

哈里斯民意调查公司(Harris Poll)为TD Ameritrade进行的一项调查显示，在40岁以上的美国人中，有三分之一的人已经或计划在退休后找一份工作，为长寿做准备。调查显示，更令人惊讶的是，超过一半的“未退休人员”——那些计划退休后工作或退休后重返工作岗位的人——表示，即使他们有足够的钱安顿下来，他们也会在晚年继续工作。

经济需求并不是“不退休”趋势的唯一罪魁祸首。根据这项研究，其他原因还包括个人成就感，如保持精神健康、防止无聊或避免抑郁。约72%的“未退休”受访者表示，他们退休后会重返工作岗位，以保持精神健康，而59%的受访者表示，这与收支平衡有关。

TD Ameritrade负责退休事务的高级经理克里斯汀•拉塞尔(Christine Russell)表示:“退休的概念正在演变。“这不仅仅是财务问题。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:美国人的寿命更长了。根据美国的数据，2018年65岁及以上人口的比例为16%，比前一年增长了32%。美国人口普查局(Census Bureau)。自2010年以来，这一数字也增长了302%。美国老年人也是美国人口增长最快的群体。劳动力和婴儿潮一代预计将比前几代人活得更长。退休年龄人口在劳动力中的比例在过去30年里翻了一番。基金管理公司United Income的数据显示，今年2月，美国65岁及以上的老年人中约有20%仍在工作，高于1985年1月10%的历史最低水平。

TD Ameritrade对2000名年龄在40岁至79岁之间的成年人进行的调查显示，由于寿命延长，美国人也在增加储蓄，以保存他们的储备金。调查显示，60%的“未退休人士”正在增加储蓄，以期待更长的寿命。该公司表示，他们这样做的最受欢迎的方式是减少总体开支、购买人寿保险或最大限度地增加退休账户的存款。

巴尔的摩金融规划公司Facet Wealth的联合创始人韦斯(Brent Weiss)说，不幸的是，很多选择退休后继续工作的人之所以这么做，是因为他们担心在晚年无法维持生计。他建议退休人员应该咨询财务顾问，制定长期财务目标。

韦斯说:“人生中最具挑战性的时刻是结婚、组建家庭和最终退休。”“这不仅仅是一个经济上的决定，也是一个情感上的决定。许多人认为他们不能退休。”

句子成分分析：

More Americans are opting to work [well] into retirement, a growing trend (that threatens to upend the old workforce mode)

句子语法结构详解：

* opting 为谓语，采用现在进行时。
* to work 为不定式，作宾语。
* that 为关系代词，引导定语从句。
* threatens 为谓语，采用一般现在时。动词采用第三人称单数形式。
* to upend 为不定式，作宾语。
* are 为助动词。the 为定冠词。a 为不定冠词。

句子相关词汇解释：

Vocabulary:

句子成分分析：

One (in three Americans (who are at least 40)) have or plan tohave a job [in retirement] toprepare for a longer life, 

[according to a survey conducted [by Harris Poll] [for TD Ameritrade]].

句子语法结构详解：

(longer 为 long 的比较级形式)

* who 为关系代词，引导定语从句。
* are 为系动词作谓语，采用一般现在时。
* 第1个 have 为谓语，采用一般现在时。
* plan 为谓语。
* to have 为不定式，作宾语。
* to prepare 为不定式，作状语。
* conducted 为过去分词，作后置定语。
* a 为不定冠词。

句子相关词汇解释：

Phrase:

Vocabulary:

句子成分分析：

Other reasons, <according to the study>, include personal fulfillment (such as staying [mentally] fit, preventing 

boredom or avoiding depression).

句子语法结构详解：

* include 为谓语，采用一般现在时。
* staying 为动名词，作介词宾语。
* staying 为系动词。
* fit 为形容词作表语。
* preventing 为动名词。
* avoiding 为动名词。
* the 为定冠词。

句子相关词汇解释：

Phrase:

Vocabulary:

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