Social security is a financial disaster waiting to happen. State-funded pension plans are, for the most part, in even worse shape. Private pensions aren't looking so hot, either. A site that tracks these problems, PensionTsunami.com, is a steady gush of bad news.rnOne solution is retiring later. This is proposed, without much conviction, by budgeters as a fix for Social Security. It is self-imposed as a necessity by people planning to live off their 401(k)s. It makes sense. When 74-year-old Otto von Bismarck set the first retirement age at 70 (though later lowered to 65) it was based on the cynical knowledge that far more voters hoped to reach that advanced age than would actually do so. Nowadays, on the other hand, when someone dies at 70 the reaction is likely to be "So young!"
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机译：社会保障是一场等待发生的金融灾难。大多数情况下，国家资助的养老金计划的状况甚至更糟。私人养老金也不是那么热门。跟踪这些问题的站点PensionTsunami.com总是传来坏消息。一个解决方案将在稍后退出。预算编制者没有过多的信念就提出了这一建议，作为解决社会保障问题的手段。计划以401（k）为生的人们将其强加为必需品。这说得通。当74岁的奥托·冯·s斯麦（Otto von Bismarck）将第一退休年龄定为70岁（尽管后来降低到65岁）时，基于愤世嫉俗的知识，有更多的选民希望达到这个高龄。另一方面，如今，当某人在70岁时去世时，反应可能是“这么年轻！”。
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