对于Gen X，退休现实叮咬

Perhaps because they represent a narrower slice of American society than the generations preceding or following, or that they just tend to be quieter, Generation X, the cohort of the U.S. population born from 1965 to 1981, tends to get overlooked, whether in terms of media coverage, marketing or demographically driven industries like financial planning.

Members of the younger end of the Gen X segment of the population—of which I’m one—are staring down daunting financial commitments of midadulthood: first-time home buying; marriage; perhaps children; and, in the face of the one-two punch of loans and lost earning power from the 2008–’09 financial crisis, building retirement nest eggs. In fact, for older Gen Xers, retirement isn’t that far off: the first Gen Xers turn 50 this year.

一代X注定要拥有中兄弟的社会地位，这是一种贫困占位符。在20世纪80年代后期和20世纪90年代初，当婴儿潮一代没有调整thirtysomething.或者许多其他电视剧中解剖到20世纪60年代成长的变幻莫测的电视剧之一，其中更多的声音 - 包括一个潮呼吸器固定的媒体 - virected旧的Xers，因为可移动的懒散和较年轻的Xers作为吸毒成瘾者出生的社会疗法儿童学校金属探测器和储物柜检查。

这n Millennials came along, content to supplant Gen X’s grunge rock with nu metal and prefabricated pop acts before heading off to college, starting in the 2000s. The worst insult flung their way is that they are narcissistic, thanks to self-esteem-enhancing youth-soccer participation trophies. This translated into a commonly held perception that Millennials can’t manage their money, much less pay the rent or hold a steady job.

当然，这些参与丝带主要是来自潮一代父母的遗产。对于许多Gen XER和千禧年来说，缎带或奖杯可能是他们将得到的。根据2014年的投保退休学院的研究，只有46％的婴儿潮一代思想传递财富是重要的，从早期调查中的大约三分之二到下降。Gen Xers是第一代以肩负着重要的学生贷款债务，特别是年轻成员，延迟首次购房。随着传统的养老金被淘汰，旧的Gen Xers进入劳动力，赞成401(k) plans。

翻译：Gen Xers已经了解到他们自己更好地击打。在成年期，Gen Xers选择了餐厅送货和狂欢观看Hulu或Netflix的星期五，而不是在深夜音乐会之前进行预制。沉浸在他们的生活中，他们占据了未来的东西。在这里，与XERS通常相关的另一个特征有关：犬儒主义。Gen Xers的Ingrated Snark已经涉及他们对财富管理的看法：退休是一种微弱的可能性。2012年PEW研究中心研究表明，44％的Gen XERs民意调查对退休有足够的资金并不觉得有信心，而千禧一年的35％和40％的婴儿潮一代。

如果有的话，Gen XERS看到传统的田园诗在65岁时退休，以妨碍兴趣爱好或旅行作为遗失的年龄的遗物。这Generations Apartstudy, researched and published this year by Allianz Life Insurance Co. of North America, polled 2,000 adults with a minimum household income of $30,000 a year, equally split between men and women and baby boomers and Gen Xers. The majority of both age categories agreed with the statement that retirement at 65 is a “romantic fantasy of the past.” But Gen Xers gave the idea more side-eye. Of Gen Xers polled, 64 percent (compared with 43 percent of baby boomers) noted that they become “bogged down with uncertainty when planning for retirement.” It’s easier to invest with certain outcomes in mind, rather than a weather-all-storms approach. In the poll, Gen Xers and boomers agreed that the Gen Xers surveyed have a tougher time saving money, getting and keeping jobs and staying out of debt.

当然，许多这些调查答案可能会源于人们在生命周期而不是世代动态的地方。许多婴儿潮一代都是与他们走近50的思维相同的态度，同样地被宏观经济风暴缓冲 - 雇主往往不想掌握新失业的高级员工 - 以及他们儿童和医疗保健的高等教育膨胀成本为自己。Gen Xers有人有利于：时间。这是一些健康的犬儒主义的地方。最近来自PNC金融服务的一项调查表明，XER受访者的调查显示，65％的人认为退休是他们唯一的责任，并没有预计与...相比，不希望获得任何遗产，养老金或社会保障支付婴儿潮一代的44％。社会保障基金的步伐是在2033年的步伐中恢复，部分原因是偏爱潮一代的不平衡人口平。

而2008 - 09年金融危机是一个拉te-career hit to boomers, it served as a reality check for Gen Xers: 28 percent of those polled reported putting more away for retirement since the recession, compared with 22 percent for boomers. Also, given their relative youth, Gen Xers have the luxury of taking on more risk in their portfolios. They have more time to invest, and their nest egg has a longer period of tax deferral to feed growth. In short, a collective sense of pessimism has jolted Gen Xers into action.

由于年龄的年龄，Gen Xers的困境越来越多地分享。像千禧一代一样，Gen Xers倾向于以后结婚并延迟有孩子。也许Gen Xers的退休计划的经历 - 这是一个令人难以置信的任务所在的思想 - 将作为一个代理人的代表，了解年龄更大，千年代的千年代的票价。最古老的XERs距离传统退休年龄的15年 - 当然，该计划仍然完整，因此，XER继续推动经济增长和创新。

每个世代队列都经历了一段时间的粘贴，无论是无缝的无名，题为Boomerang儿童还是该死的嬉皮士。Gen Xers最终长大，有工作，就像亚马逊的Jeff Bezos或谷歌的谢尔盖Brin和Larry Page，创立了Multibilion-Collar公司。Gen Xers现在是千禧一代的老板，而这是伴随着下一代培训的投诉和胜利。鉴于Gen X在中间的立场，队列也可以训练老一代。Gen Xers拥有技术精明的知识和“足够的旧信息”的事情。事实上，在过去的一周里，我建议了一个19岁的实习生和一个50岁的高级作家如何使用社交媒体报告。中间代是如此黯淡。

Yeah, right.

Follow Anne Szustek on Twitter at@the59thStBridge。

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