Are You Sure You're Saving Enough for Retirement?
使用ESPlanner程序为美国经济学会成员计算生命周期退休财富目标，探讨退休储蓄是否充足这一看似简单实则复杂的问题。
Many view the soon-to-retire Baby Boomers as woefully unprepared for their golden years, while other economists have taken a more sanguine view of American levels of saving. And if Americans are failures at saving enough for retirement, why are some retirees so happy? The seemingly simple question of “Am I saving enough for retirement?” is apparently not so simple at all. Instead, it touches on a variety of deeper issues in economics, psychology, and health policy. I use the program ESPlanner to present life-cycle retirement wealth targets for a range of incomes and situations typical of American Economic Association members. (Readers are warned that life-cycle retirement wealth targets presented in this paper may lead to feelings of financial inadequacy.)