"The old idea of saving money for retirement is no longer feasible. Currency can lose value and is really not dependable. Right now people should be spending all their effort at saving up human capital, raising their hireability, so that when a person goes out looking for a job he can actually get hired," says Hsin Ping-lung. Hireability is based on two factors: good health and lifelong functional learning.
「過去退休靠儲蓄的觀念已經不可行，貨幣資本會貶值，並不可靠，眼前應是盡力儲存人力資本，提升可雇用價值，讓自己想工作時，隨時可以被雇用，」台大國發所副教授辛炳隆認為，可雇用能力表現在兩方面：健康身體，以及終身職能學習。