<p>此帖子可能包含我们赞助商和合作伙伴的链接，Flywheel Publishing 可能会因通过这些链接采取的行动而获得补偿。</p>
<p>每个人的个人情况都不同，有些人在明智地选择职业道路方面无疑比其他人更幸运。最近，一位 Reddit 用户分享了他们对当前情况的反思，提到显著的退休储蓄和提前退休的能力（在 33 岁时！）。这真令人印象深刻。</p>
<p>然而，这位用户确实提到，他们希望至少储蓄 50 万到 100 万美元，以便在退休时更加稳定和安全。考虑到未来还有 30 多年的潜在工作年限，这个人正在考虑将角色从高压的科技行业转向更轻松的政府工作，并领取养老金来填补退休缺口。这也将给发帖者在接下来的三十年里提供一些事情可做。这一点很重要。</p>
<p>因此，这个人向 Reddit 社区发布了他的提问，以了解他们对他潜在转变的看法。我必须说，评论至少是有趣的。</p>
<p>让我们深入探讨一下！</p>
<h2>本文的关键点：</h2>
<ul>
<li>在私营部门与公共部门工作是许多人讨论的话题，这个话题有一些细微之处。</li>
<li>一位希望提前半退休的科技工作者正在探索公共部门，因此让我们从养老金的角度来看这个想法。</li>
<li>提前退休是可能的，可能比你想象的要容易。点击这里查看你是否走在前面，或者落后了。（赞助商）</li>
</ul>
<h2>政府养老金：误解与现实</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/12/My-coworker-and-I-are-in-our-late-30s-%E2%80%94-they-have-more-in-their-401k-than-I-do-in-my-pension2.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/12/My-coworker-and-I-are-in-our-late-30s-%E2%80%94-they-have-more-in-their-401k-than-I-do-in-my-pension2.jpg"/></p>
<p>401(k) 与养老金计划的视觉对比</p>
<p>对于许多可能在私营部门工作或未接触过公共养老金运作的人来说，从外部看，它们似乎是一个财务梦想。然而，正如大多数事情一样，这种看法有其细微之处。现实往往比概念更复杂。</p>
<p>一些 Reddit 用户在评论中表示，今天的政府养老金计划很少能带来长期财富或提前退休的能力。也就是说，缺乏补充储蓄或投资。福利缩减、最低贡献（通常是工资的单数字百分比）和有限的生活成本调整可能会迅速改变一个人的退休目标的计算。</p>
<p>此外，值得指出的是，许多政府工作可能伴随着一些权衡，例如较低的工资、较少的自主权和紧缩的保险计划。对于许多人来说，这种现实打破了 “简单模式” 生活方式的幻想。</p>
<p>然而，即使面临这些挑战，政府养老金仍然对那些在退休规划中优先考虑稳定性和可预测性的人具有吸引力。真正的问题是这些福利是否与您的长期目标和财务需求相符。</p>
<h2>不过，也有例外</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/01/shutterstock-205478380-huge-licensed-scaled.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/01/shutterstock-205478380-huge-licensed-scaled.jpg"/></p>
<p>一个镀铬的奖杯</p>
<p>并非所有政府工作都是平等的。正如一位 Reddit 用户在评论中指出的那样，一些高收入的政府工作确实存在于航空等行业。</p>
<p>发表评论的用户是一名空中交通管制员，这个职位提供一些最高的政府薪水和养老金福利。这个特定角色的薪水实际上相当不错（这个人建议，经过几年的服务，大家可以轻松赚到每年 16 万美元或更多），与其他公共服务角色（如执法或消防）所期望的薪水大相径庭。并且通过加速退休计划以及通过加班和其他轮换福利赚取更多，这个角色可能正是发帖者所寻找的。</p>
<p>不过，如果原发帖者希望找到一个更轻松、日常参与较少的工作，这可能不一定是它。评论者指出，这份工作需要强烈的奉献精神、长时间的工作和有时压力很大的工作条件。但是，对于那些愿意付出努力的人来说，这类角色展示了政府工作仍然可以带来财务安全甚至提前退休。</p>
<p>不过，对于大多数政府员工来说，这样的机会仍然是例外，而不是常态。</p>
<h2>那么，这个决定是否合理？</h2>
<p>对于回答许多开放性问题来说，答案是：这要看情况。</p>
<p>对于这个特定个体来说，也许逃离 FAANG 的竞争，选择在公共部门工作可以提供这位 Reddit 用户所追求的小型逃离。然而，正如评论区中的许多人指出的那样，能够同时实现工作满意度和退休安全的可能性不大。</p>
<p>现在，我们不知道这个个体在科技行业的前职位中在退休账户中储蓄了多少。但如果真的有 50 万到 100 万美元足以维持生活，并且这个人愿意为一份平凡的工作工作十年或更长时间，那么某种公共部门的工作可能适合这个人的情况。</p>
<p>归根结底，这样的决定取决于个人，而这位特定用户似乎在寻找对他可能已经做出的决定的确认。生活中没有 “简单模式”——每份工作都需要付出努力——因此在年轻时努力工作是关键。只要这个人做到这一点，无论选择哪条道路，他似乎都为美好的退休生活做好了准备。</p>
<h2><strong>参加这个退休测验，与顾问匹配（赞助商）</strong></h2>
<p>你准备好退休了吗？退休规划可能会让人感到不知所措，因此与受托财务顾问讨论你的目标可能是个好主意。</p>
<p>首先，您可以在这里参加来自 SmartAsset 的退休测验，5 分钟内将为您匹配最多 3 位为您所在地区及其他地区服务的财务顾问。SmartAsset 目前每月为超过 50,000 人提供匹配服务。</p>
<p>现在点击这里开始。</p>
<p>我在 33 岁时提前退休——我应该找一份政府工作来再赚一百万，过上轻松的生活吗？此文最初发表于 24/7 Wall St..</p>

<p>一位在 33 岁时提前退休的 Reddit 用户正在考虑一份政府工作，以确保额外的 50 万到 100 万美元的退休稳定性。虽然政府养老金看起来很有吸引力，但许多 Reddit 评论指出，它们通常不会在没有额外储蓄的情况下带来长期财富。政府工作可以提供稳定性，但可能伴随较低的工资和较少的自主权。一些高收入职位，如空中交通管制员，提供更好的薪水和福利，但需要强烈的奉献精神。该用户希望社区对这一潜在职业转变发表意见</p>

<p>This post may contain links from our sponsors and affiliates, and Flywheel Publishing may receive compensation for actions taken through them.</p>
<div class="lb-trans"><p>此帖子可能包含我们赞助商和合作伙伴的链接，Flywheel Publishing 可能会因通过这些链接采取的行动而获得补偿。</p>
</div><p>Everyone’s individual situation is different, and some have certainly been luckier than others in terms of choosing their career path wisely. One Reddit user recently shared their reflections on their current situation, noting significant retirement savings and the ability to retire early (at age 33!). That’s impressive.</p>
<div class="lb-trans"><p>每个人的个人情况都不同，有些人在明智地选择职业道路方面无疑比其他人更幸运。最近，一位 Reddit 用户分享了他们对当前情况的反思，提到显著的退休储蓄和提前退休的能力（在 33 岁时！）。这真令人印象深刻。</p>
</div><p>However, this user did note that they’d like to save at least $500,000-$1 million to be much more stable and secure in retirement. Having another 30+ potential working years ahead, this individual is thinking about potentially shifting roles from something in the burnout-heavy tech sector to a more relaxed government job and taking a pension to fill his retirement gap. It would also give the poster something to do for the next three decades. That’s important.</p>
<div class="lb-trans"><p>然而，这位用户确实提到，他们希望至少储蓄 50 万到 100 万美元，以便在退休时更加稳定和安全。考虑到未来还有 30 多年的潜在工作年限，这个人正在考虑将角色从高压的科技行业转向更轻松的政府工作，并领取养老金来填补退休缺口。这也将给发帖者在接下来的三十年里提供一些事情可做。这一点很重要。</p>
</div><p>So, this person posted his question to the Reddit community to see what their thoughts would be on his potential move. I have to say, the comments were interesting, to say the least.</p>
<div class="lb-trans"><p>因此，这个人向 Reddit 社区发布了他的提问，以了解他们对他潜在转变的看法。我必须说，评论至少是有趣的。</p>
</div><p>Let’s dive in!</p>
<div class="lb-trans"><p>让我们深入探讨一下！</p>
</div><h2>Key Points About This Article:</h2>
<div class="lb-trans"><h2>本文的关键点：</h2>
</div><ul>
<li>Working in the private vs. public sector is a discussion many individuals have, and it’s one that comes with some nuance.</li>
<li>One particular tech worker who’s looking to semi-retire early is exploring the public sector, so let’s take a look at this idea from a pension perspective.</li>
<li>Retiring early is possible, and may be easier than you think. Click here now to see if you’re ahead, or behind. (Sponsor)</li>
</ul>
<div class="lb-trans"><ul>
<li>在私营部门与公共部门工作是许多人讨论的话题，这个话题有一些细微之处。</li>
<li>一位希望提前半退休的科技工作者正在探索公共部门，因此让我们从养老金的角度来看这个想法。</li>
<li>提前退休是可能的，可能比你想象的要容易。点击这里查看你是否走在前面，或者落后了。（赞助商）</li>
</ul>
</div><h2>Government Pensions: Misconceptions vs. Reality</h2>
<div class="lb-trans"><h2>政府养老金：误解与现实</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/12/My-coworker-and-I-are-in-our-late-30s-%E2%80%94-they-have-more-in-their-401k-than-I-do-in-my-pension2.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/12/My-coworker-and-I-are-in-our-late-30s-%E2%80%94-they-have-more-in-their-401k-than-I-do-in-my-pension2.jpg"/></p>
<p>401(k) vs. pension plan visual</p>
<div class="lb-trans"><p>401(k) 与养老金计划的视觉对比</p>
</div><p>For many who may be in the private sector or who haven’t been exposed to how public pensions work, they may seem like a financial dream from the outside looking in. However, as is the case with most things, there’s nuance to this view. Things are often more complex in reality than they are in concept.</p>
<div class="lb-trans"><p>对于许多可能在私营部门工作或未接触过公共养老金运作的人来说，从外部看，它们似乎是一个财务梦想。然而，正如大多数事情一样，这种看法有其细微之处。现实往往比概念更复杂。</p>
</div><p>A number of Reddit users posted in the comments that today’s government pension programs rarely lead to long-term wealth or the ability to retire early. That is, without supplementary savings or investments. Shrinking benefits, minimal contributions (often single-digit contributions as a percentage of one’s salary) and limited cost of living adjustments can change the math on one’s retirement goals real quick.</p>
<div class="lb-trans"><p>一些 Reddit 用户在评论中表示，今天的政府养老金计划很少能带来长期财富或提前退休的能力。也就是说，缺乏补充储蓄或投资。福利缩减、最低贡献（通常是工资的单数字百分比）和有限的生活成本调整可能会迅速改变一个人的退休目标的计算。</p>
</div><p>Additionally, it’s worth pointing out that many government jobs can come with trade-offs like lower wages, less autonomy, and tightening insurance packages. For many, this reality shatters the illusion of an “easy mode” lifestyle.</p>
<div class="lb-trans"><p>此外，值得指出的是，许多政府工作可能伴随着一些权衡，例如较低的工资、较少的自主权和紧缩的保险计划。对于许多人来说，这种现实打破了 “简单模式” 生活方式的幻想。</p>
</div><p>Yet, even with these challenges, government pensions remain appealing to those prioritizing stability and predictability in retirement planning. The real question is whether these benefits align with your long-term goals and financial needs.</p>
<div class="lb-trans"><p>然而，即使面临这些挑战，政府养老金仍然对那些在退休规划中优先考虑稳定性和可预测性的人具有吸引力。真正的问题是这些福利是否与您的长期目标和财务需求相符。</p>
</div><h2>There Are Exceptions, Though</h2>
<div class="lb-trans"><h2>不过，也有例外</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/01/shutterstock-205478380-huge-licensed-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/01/shutterstock-205478380-huge-licensed-scaled.jpg"/></p>
<p>A chromed trophy</p>
<div class="lb-trans"><p>一个镀铬的奖杯</p>
</div><p>Not all government jobs are created equal. As one Reddit user pointed out in the comments, some high-income government jobs do exist in sectors such as aviation.</p>
<div class="lb-trans"><p>并非所有政府工作都是平等的。正如一位 Reddit 用户在评论中指出的那样，一些高收入的政府工作确实存在于航空等行业。</p>
</div><p>The user commenting is an air traffic controller, which offers some of the highest government pay and pension benefits. This particular role actually pays quite well (this person suggested folks can easily make $160,000 per year or more after a few years of service), much different than the salary expectations one might have with other public service roles such as law enforcement or firefighting. And with accelerated retirement plans and the ability to earn more via overtime and other rotation benefits, this is a role that could be what the OP is looking for.</p>
<div class="lb-trans"><p>发表评论的用户是一名空中交通管制员，这个职位提供一些最高的政府薪水和养老金福利。这个特定角色的薪水实际上相当不错（这个人建议，经过几年的服务，大家可以轻松赚到每年 16 万美元或更多），与其他公共服务角色（如执法或消防）所期望的薪水大相径庭。并且通过加速退休计划以及通过加班和其他轮换福利赚取更多，这个角色可能正是发帖者所寻找的。</p>
</div><p>That said, if the original poster was looking for a job that was more relaxed and less-involved in the day to day, this may not necessarily be it. The commenter noted that this job demands intense dedication, long hours, and sometimes stressful working conditions. But, for those willing to put in the effort, roles like these showcase that government work can still lead to financial security and even early retirement.</p>
<div class="lb-trans"><p>不过，如果原发帖者希望找到一个更轻松、日常参与较少的工作，这可能不一定是它。评论者指出，这份工作需要强烈的奉献精神、长时间的工作和有时压力很大的工作条件。但是，对于那些愿意付出努力的人来说，这类角色展示了政府工作仍然可以带来财务安全甚至提前退休。</p>
</div><p>That said, for most government employees, such opportunities remain outliers rather than the norm.</p>
<div class="lb-trans"><p>不过，对于大多数政府员工来说，这样的机会仍然是例外，而不是常态。</p>
</div><h2>So, Does This Decision Make Sense?</h2>
<div class="lb-trans"><h2>那么，这个决定是否合理？</h2>
</div><p>As is the case with answering many open-ended questions like this, the answer is: it depends.</p>
<div class="lb-trans"><p>对于回答许多开放性问题来说，答案是：这要看情况。</p>
</div><p>For this particular individual, perhaps escaping the rat-race of FAANG and choosing to work in the public sector could provide a mini-getaway the Reddit user is after. However, as a number of individuals in the comments section pointed out, it’s not likely to be the case that one will be able to achieve both job satisfaction and retirement security simultaneously.</p>
<div class="lb-trans"><p>对于这个特定个体来说，也许逃离 FAANG 的竞争，选择在公共部门工作可以提供这位 Reddit 用户所追求的小型逃离。然而，正如评论区中的许多人指出的那样，能够同时实现工作满意度和退休安全的可能性不大。</p>
</div><p>Now, we don’t know the specifics of how much this individual has saved in his retirement accounts from his previous positions in the tech sector. But if it’s really true that another $500,000-$1 million is enough to life off of, and this person is okay with doing mundane work for a decade or longer, then it’s possible some sort of public sector work may fit this person’s profile.</p>
<div class="lb-trans"><p>现在，我们不知道这个个体在科技行业的前职位中在退休账户中储蓄了多少。但如果真的有 50 万到 100 万美元足以维持生活，并且这个人愿意为一份平凡的工作工作十年或更长时间，那么某种公共部门的工作可能适合这个人的情况。</p>
</div><p>At the end of the day, such decisions are up to the individual, and this particular user appears to be looking for validation for a decision he may have already made. There’s no “easy mode” in life – every job requires work – so buckling down and doing the work when one is young is key. So long as this individual does that, no matter which path he chooses, he does appear to be set up for a nice retirement.</p>
<div class="lb-trans"><p>归根结底，这样的决定取决于个人，而这位特定用户似乎在寻找对他可能已经做出的决定的确认。生活中没有 “简单模式”——每份工作都需要付出努力——因此在年轻时努力工作是关键。只要这个人做到这一点，无论选择哪条道路，他似乎都为美好的退休生活做好了准备。</p>
</div><h2><strong>Take This Retirement Quiz To Get Matched With An Advisor Now (Sponsored)</strong></h2>
<div class="lb-trans"><h2><strong>参加这个退休测验，与顾问匹配（赞助商）</strong></h2>
</div><p>Are you ready for retirement? Planning for retirement can be overwhelming, that’s why it could be a good idea to speak to a fiduciary financial advisor about your goals today.</p>
<div class="lb-trans"><p>你准备好退休了吗？退休规划可能会让人感到不知所措，因此与受托财务顾问讨论你的目标可能是个好主意。</p>
</div><p>Start by taking this retirement quiz right here from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes. Smart Asset is now matching over 50,000 people a month.</p>
<div class="lb-trans"><p>首先，您可以在这里参加来自 SmartAsset 的退休测验，5 分钟内将为您匹配最多 3 位为您所在地区及其他地区服务的财务顾问。SmartAsset 目前每月为超过 50,000 人提供匹配服务。</p>
</div><p>Click here now to get started.</p>
<div class="lb-trans"><p>现在点击这里开始。</p>
</div><p>The post I retired early at age 33 – should I get a government job to bank another million and live the rest of my life on easy mode? appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>我在 33 岁时提前退休——我应该找一份政府工作来再赚一百万，过上轻松的生活吗？此文最初发表于 24/7 Wall St..</p>
</div>

I retired early at age 33 – should I get a government job to bank another million and live the rest of my life on easy mode?

247wallst

Reddit

我在 33 岁时提前退休——我是否应该找一份政府工作再赚一百万，然后轻松度过余生？