EPISODE · Jan 22, 2026 · 15 MIN
为什么“美国人平均寿命”对退休规划几乎没用
from 真相有点意思 · host 真相有点意思
根据美国社会保障署（SSA）的精算生命表，已活到 65 岁的美国男性，其预期寿命中位数约为 83–84 岁；女性则约为 86–87 岁。需要强调的是，这并非全体人口的平均寿命，而是基于“已存活至 65 岁人群”的条件寿命分析，意味着在这一人群中，有一半会活到该年龄以上。 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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为什么“美国人平均寿命”对退休规划几乎没用
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