Everyone has money problems. If you want to make yourself rich!, solve problems. Identifying a problem creates the opportunity for creating a solution. Every generation will have its own unique set of financial problems. For my great grandparents' generation, their challenges included a Depression and a World War. Their solution to those problems was to go to school, get a safe and secure job with benefits, retire at 65, and play golf for the rest of their lives.
每个人都有钱问题。如果你想让自己变得富有！解决问题。识别问题为创建解决方案创造了机会。每一代人都会有自己独特的财务问题。对于我父母的一代，他们的挑战包括大萧条和世界大战。他们解决这些问题的方法是上学，获得安全可靠的工作，退休65岁，休息时间打高尔夫球。
Many of the World War II generation had a Defined Benefit Pension plan, savings, Social Security and Medicare. For many of my grandparents' generation, a good education and a good job were adequate for financial survival.
许多第二次世界大战一代都有一个定义福利养老金计划，储蓄，社会保障和医疗保险。对于许多我祖父母的一代人来说，良好的教育和良好的工作都足以应付经济生存。
My generation, the baby-boom generation, faces a set of different financial problems. Today, a good college education and a good job are not enough. To make matters worse, jobs are being exported overseas. Today, fewer and fewer companies have Defined Benefit Pension plans. Because Defined Benefit Pension plans are so expensive, companies that do have
them are starting to alter them or discontinue them simply to save money. Companies do not want to pay for employees for life.
我这一代，婴儿潮一代，面临一系列不同的财务问题。今天，良好的大学教育和良好的工作是不够的。更糟糕的是，工作正在海外出口。今天，越来越多的公司有定义福利养老金计划。因为定义的福利养老金计划是如此昂贵，那些确实有公司 他们开始改变他们，或者中断他们，只是为了省钱。公司不想为员工支付生命。
In 1974, due to the changing global markets, many companies stopped offering Defined Benefit (DB) plans and began offering Defined Contribution (DC) plans.
1974年，由于全球市场不断变化，许多公司停止提供定义利益（DB）计划，并开始提供定义贡献计划。
In very simple terms, a Defined Benefit plan will cover you for as long as you live. A Defined Contribution plan will cover you only as long as there is money in your account. In other words, a DB plan, in theory, will not run out of money while a DC plan can run out of money. That may be why USA Today found that the greatest fear in the today is running out of money during retirement. Most of us already know that up to 80 percent of the baby-boom generation does not have enough wealth to fall back on. The generations following the baby-boom generation, often called Generation X and Generation Y, will have a different set of financial problems to handle. If the baby-boom generation does not do a good job
cleaning up the mess left by its parents, there will be an even bigger mess for Generation X and Generation Y to handle. Generation X and Y will not only have to handle their own financial problems and the debts of our country, they will also inherit
their baby-boomer parents' financial problems, and maybe even their grandparents' problems, since we are all expected to live longer. By living longer, we may expect to extend our working years by retiring later, but what if we live longer and are not able
to continue working? The growing size of this problem, now in the trillions of dollars, is daunting. Merely pushing it forward,
on to the next generation, just makes the problem bigger and more complex. The bigger and more complex the financial problems become, the higher the financial IQ is required to handle the problems. We're going to need all the brainpower we can get to solve this problem.
简单来说，定义福利计划将在您居住的时间内覆盖您。只要您的帐户有钱，定义的捐款计划才会覆盖您。换句话说，一个DB计划在理论上不会耗尽钱，而DC计划可以用完。这可能是为什么今日美国今天发现，在今天最大的恐惧是在退休期间用完了钱。我们大多数人已经知道，高达80％的婴儿潮一代没有足够的财富可以回落。随着婴儿潮一代，通常被称为第十代和第Y代，将有一套不同的财务问题来处理。如果婴儿潮一代做得不好
清理其父母留下的烂摊子，对于X代和Y代将会有更大的混乱。一代X和Y将不仅要处理自己的财政问题和我们国家的债务，他们也将继承
他们的婴儿潮母亲的财务问题，甚至他们的祖父母的问题，因为我们都期望活得更长。通过活得更长，我们可能期望延长工作年限，稍后退休，但如果我们活得更长，而且还不能长久
继续工作这个问题日益扩大，现在数万亿美元是艰巨的。只是向前推，
对于下一代，只是使问题更大更复杂。财务问题变得越来越大，金融智商处理问题越高。我们将需要我们能够解决这个问题的所有智慧。
The lack of financial education in our schools makes it easy for unscrupulous people, even elected officials from both parties, to legally steal from the unsuspecting. So the problem compounds itself.
我们学校缺乏金融教育，使无良人民甚至双方当选的官员都容易从合法的偷窃中脱颖而出。所以问题复杂化。
