With retirement around the corner now is the time to plan for your financial needs 

退休临近，现在是规划财务需求的时候

Your Social Security benefits are the foundation on which you can build a secure retirement. The three major elements of your retirement portfolio are:   

社保福利是您建立安全退休的基础。退休投资组合的三大主要要素是：

• Benefits from pensions, 
• 养老金福利
• Savings and investments, and
• 储蓄和投资
• Social Security benefits.
• 社会保障福利

Most financial advisors say you'll need about 70% of your pre-retirement earnings to comfortably maintain your pre-retirement standard of living. If you have average earnings, your Social Security retirement benefits will replace only about 40%. The percentage is lower for people in the upper income brackets and higher for people with low incomes. You'll need to supplement your benefits with a pension, savings or investments. 

大多数财务顾问表示，您需要大约70%的退休前收入，才能舒适地维持退休前的生活标准。如果您的收入处于平均水平，社会保障退休福利只会替代大约40%的收入。对于高收入人群，这一比例更低，而低收入者则相对较高。因此，您需要通过养老金、储蓄或投资来补充您的福利

To help you plan for retirement, the Social Security website includes a Retirement Estimator that lets you get a retirement benefit estimate based on current law and real time access to your earnings record. It also provides a Benefits Planner to help in the event of disability or loss of your family's wage earner. 

社会保障网站的帮助为了帮助您规划退休，社会保障网站提供了退休估算工具，您可以根据现行法律和您的收入记录实时估算退休福利。同时，它还提供了福利规划工具，以帮助在失去家庭主要收入者或出现残疾时进行规划。

Factors that may affect your retirement benefits

影响退休福利的因素

Your benefit amount is based on your earnings averaged over most of your working career. Higher lifetime earnings result in higher benefits. If you have some years of no earnings or low earnings, your benefit amount may be lower than if you had worked steadily.                 

您的福利金额是基于您大部分工作生涯的平均收入。更高的终身收入会导致更高的福利。如果您有些年份没有收入或收入较低，您的福利金额可能会低于那些稳定工作的人

Your benefit amount also is affected by your age at the time you start receiving benefits. If you start your retirement benefits at age 62 (the earliest possible retirement age) your benefit will be lower than if you wait until your full retirement age. If you start your retirement benefits after full retirement age, the monthly benefit may be higher due to delayed retirement credits. 

您的福利金额还会受到您开始领取福利时年龄的影响。如果您在62岁（最早的退休年龄）开始领取退休福利，您的福利将低于等到全额退休年龄后再领取。如果您在全额退休年龄之后开始领取福利，由于延迟退休积分，您的月福利可能会更高

If you are self-employed

如果您是自雇人士

Self-employed people must report their earnings and pay the taxes directly to the IRS. You are self-employed if you operate a trade, business or profession, either by yourself or as a partner.

自雇人士必须直接向国税局报告其收入并支付税款。您是自雇人士，如果您以个人或合伙人身份经营贸易、商业或职业

You report your earnings for Social Security when you file your federal income tax return. If your net earnings are $400 or more in a year, you must report your earnings on IRS Schedule SE for Social Security purposes, in addition to the other tax forms you must file.

在您提交联邦所得税申报时，您需报告社会保障的收入。如果您的净收入在一年中达到400美元或更多，您必须在报税时填写IRS Schedule SE用于社会保障目的，此外还需填写其他税表

If you work for a federal, state or local government

如果您为联邦、州或地方政府工作

If you work for a federal, state or local government where you do not pay Social Security taxes, the pension you receive from that agency may reduce any Social Security benefits for which you are qualified. There are two factors that may reduce your benefits.

如果您为不支付社会保障税的联邦、州或地方政府工作，您从该机构获得的养老金可能会减少您有资格获得的任何社会保障福利。可能影响您福利的两个因素是：

• The first factor affects the way your Social Security retirement or disability benefits are figured. The Windfall Elimination Provision fact sheet provides answers to questions you may have about this provision. 
• 福利计算方式：有关社会保障退休或残疾福利的计算方式，请参阅《意外福利削减条款》相关信息。
• The second factor affects Social Security benefits you receive as a spouse or widow/widower. The Government Pension Offset fact sheet provides answers to questions you may have about this provision.   
• 配偶或遗孀/遗夫的福利：有关配偶或遗孀/遗夫的福利的影响，您可以查阅《政府养老金抵免条款》相关信息

You can get more information on the website for Federal, State & Local Government Employees.

您可以在联邦、州和地方政府雇员网站上获取更多信息

If you work outside the United States

如果您在美国以外工作

If you work outside the United States (U.S.) for an American company or, in some cases, an affiliate company of an American company, you and your employer may have to pay Social Security taxes on the same earnings to both the U.S. and the foreign country. But, if you work in one of the agreement countries shown in our fact sheet, How International Agreements Can Help You:

如果您在美国以外的地方为美国公司或某些情况下美国公司的附属公司工作，您和您的雇主可能需要在同一收入上向美国和外国支付社会保障税。但是，如果您在我们《国际协议如何帮助您》的相关文件中列出的协议国家工作：

• Your Social Security coverage will be assigned to either the U.S. or the foreign country, and   
• 您的社会保障覆盖将分配给美国或外国，且
• You and your employer don't have to pay taxes to both countries. 
• 您和您的雇主不必向两个国家支付税款

You can get more information about work outside the U.S. on our International Programs http://www.ssa.gov/international/ website.

有关美国以外工作的更多信息，请访问我们的国际项目网站

1️⃣ Start Early for Maximum Growth: The earlier you start saving, the more time your investments have to grow through compound interest.

      越早开始储蓄，增长越多：储蓄越早开始，投资就有更多时间通过复利增长。

2️⃣ Healthcare Costs Will Rise: Medical expenses often increase with age—plan for healthcare coverage like Medicare, long-term care, or health savings accounts (HSA).

      医疗费用将增加：随着年龄增长，医疗开支通常会上升——提前规划医保、长期护理或健康储蓄账户 (HSA)。

3️⃣ Diversify Your Income Streams: Relying solely on Social Security may not be enough. Build multiple income sources, such as 401(k)s, IRAs, pensions, or annuities, for a more secure retirement.

      多元化收入来源：仅靠社保可能不足以支撑生活。建立多个收入来源，如401(k)、IRA、养老金或年金，以确保退休生活更稳定。