EPISODE · Dec 22, 2025 · 16 MIN
从“怎么存钱”到“怎么花钱”：美国退休体系终于补课了
from 真相有点意思 · host 真相有点意思
过去 20 年，美国退休体系解决了一个问题：怎么存钱。但几乎完全回避了另一个更难的问题：怎么花钱，而且不把钱花光。401(k) 的世界观是：你负责承担市场风险、长寿风险、行为风险；等你 65 岁退休，祝你好运。于是就出现了一个非常人性的悖论：越是“存得够多”的人，越不敢花。因为他们第一次面对的是：市场会跌、我会活很久、医疗费是个黑洞。 This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit wellandready.substack.com
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从“怎么存钱”到“怎么花钱”：美国退休体系终于补课了
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