Most people do not seem to think very hard about how much to save from their income, or about how big the differences in their wealth could be in their later years if they just adjusted their saving rate today. Most people just pay off their mortgage, make the mandatory contributions to their state or private pension (if they have one), and keep some money for short-run contingencies.
大多数人好像并不认真思考他们应该从收入中拿出多少用于储蓄，或者如果他们仅仅是现在调整储蓄水平，他们老来财富的差别可以有多大。大多数人仅仅是偿还房屋按揭贷款，交纳法定的国家或者私人养老金(如果他们有的话)，再有存一些钱用于不时之需。大体就是如此。