来自《耶鲁大学开放课程：金融理论 第11集 第11集》

• 
  
  So instead of saying it's 65,
  不再是65岁
• 
  
  because people will live till 80,
  因为人们可以活到80岁
• 
  
  make it start at 67,
  所以改为67岁退休
• 
  
  so you'll only have to pay them for 13 years instead of 15 years.
  所以你可以少付两年的钱
• 
  
  In this example, 18 years instead of 20 years.
  例如 用18代替20年年
• 
  
  So you could keep raising the retirement age.
  你可以继续保持提高过的退休年龄
• 
  
  The problem with that is--not the retirement age,
  问题是 不是退休年龄
• 
  
  the age you start collecting Social Security.
  是你开始缴纳社会保障费的年龄
• 
  
  The problem with that of course is that people are retiring not
  问题处在人们不是越来越晚退休
• 
  
  later and later, even younger and younger,
  而是越来越早
• 
  
  believe it or not,
  信不信由你
• 
  
  and so you're getting this huge gap
  你将面对退休人员和他们开始缴纳社保费