<p>社会保障制度在 90 年前创建，旨在帮助老年人摆脱贫困。时至今日，许多老年人仍然依赖这些福利作为退休期间的重要收入来源。</p>
<p>不幸的是，这使得许多退休人员对这些福利过于依赖，以至于削减将会造成严重的经济打击。这是一个巨大的问题，因为社会保障福利计划面临在未来几年内削减的严重风险，原因在于该计划的信托基金正处于困境之中。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzEwMDEvcmV2aWV3aW5nLWZpbmFuY2lhbC1kb2N1bWVudHMuanBnJnc9NzAw?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://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzEwMDEvcmV2aWV3aW5nLWZpbmFuY2lhbC1kb2N1bWVudHMuanBnJnc9NzAw"/></p>
<p>图片来源：Getty Images。</p>
<h2>退休人员对社会保障削减可能对其财务产生的影响发表了看法</h2>
<p>最近，一项全国金融调查探讨了社会保障福利削减的潜在可能性。根据调查，超过一半的美国成年人预计会收到社会保障福利，他们表示即使缺少一半的月付款也无法在经济上生存。实际上：</p>
<ul>
<li>14% 的人强烈同意他们无法承受缺少付款</li>
<li>30% 的人表示有些同意</li>
</ul>
<p>74% 的调查受访者明确表示，他们担心在其一生中社会保障福利会在某个时刻耗尽，83% 的人对该计划的长期可行性表示担忧。</p>
<h2>社会保障福利削减可能即将到来</h2>
<p>考虑到社会保障面临自动福利削减的风险，许多人甚至无法在一个月内承受社会保障福利的微小减少，这真是一个巨大的问题。</p>
<p>该计划的信托基金预计将在 2034 年耗尽，这可能导致福利自动削减 19%。这是因为在信托基金耗尽后，社会保障只能依靠来自当前工人的收入来支付福利。</p>
<p>截至 2025 年 7 月，平均每月的社会保障福利约为 2006 美元，19% 的削减可能导致老年人每年损失约 4573.68 美元——这是许多退休人员无法承受的金额。</p>
<h2>退休人员对社会保障的过度依赖</h2>
<p>显然，削减福利并不是理想的选择，这也违背了对那些一直在工作并缴纳社会保障的人所做的承诺。</p>
<p>然而，现实是，削减将对老年人造成严重打击，因为许多人对社会保障的依赖过重，储蓄和投资却过少。退休福利仅旨在替代约 40% 的收入，其余部分来自退休计划的分配。</p>
<p>如果退休人员在 401(k) 账户中有足够的储蓄，他们可以弥补社会保障福利削减带来的任何短缺。不幸的是，许多美国人在 401(k) 和 IRA 投资方面不足，且没有像应该的那样补充他们的社会保障。</p>
<p>此外，许多老年人缺乏应急储蓄，因此在收入发生变化时尤其脆弱。近年来的通货膨胀对固定收入的人群也没有帮助，导致许多退休人员已经处于挣扎的境地。这也解释了为什么如此多人表示缺少一部分支票将是毁灭性的。</p>
<p>老年人如果能够的话，应该努力为未来的紧急情况多储蓄，以防福利削减。那些目前正在工作并参与退休规划的人，应该努力为未来的岁月储蓄，以应对可能的社会保障基金削减。</p>

<p>最近的一项全国金融调查显示，超过 60% 的美国成年人预计社会保障福利无法承受即使是部分削减。由于该项目的信托基金预计将在 2034 年耗尽，19% 的削减可能会对退休人员产生重大影响，他们中的许多人严重依赖这些福利。每月平均福利为 2,006 美元，可能导致每年约 4,573.68 美元的损失。调查强调了老年人迫切需要为退休储蓄更多，因为许多人缺乏足够的应急资金和投资来应对潜在的削减</p>

<p>Social Security was created 90 years ago as a means of helping seniors stay out of poverty. Today, all these years later, many seniors still rely on these benefits as a crucial source of income during their retirement years.</p>
<div class="lb-trans"><p>社会保障制度在 90 年前创建，旨在帮助老年人摆脱贫困。时至今日，许多老年人仍然依赖这些福利作为退休期间的重要收入来源。</p>
</div><p>Unfortunately, this has left many retirees so dependent on these benefits that cuts would be financially devastating. That's a huge problem, since the Social Security benefit program is in serious jeopardy of cuts occurring within the coming years, due to the fact that the program's trust fund is in trouble.</p>
<div class="lb-trans"><p>不幸的是，这使得许多退休人员对这些福利过于依赖，以至于削减将会造成严重的经济打击。这是一个巨大的问题，因为社会保障福利计划面临在未来几年内削减的严重风险，原因在于该计划的信托基金正处于困境之中。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzEwMDEvcmV2aWV3aW5nLWZpbmFuY2lhbC1kb2N1bWVudHMuanBnJnc9NzAw" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F831001%2Freviewing-financial-documents.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>图片来源：Getty Images。</p>
</div><h2>Here's what retirees had to say about how Social Security cuts could affect their finances</h2>
<div class="lb-trans"><h2>退休人员对社会保障削减可能对其财务产生的影响发表了看法</h2>
</div><p>Recently, a Nationwide Financial survey addressed the potential for Social Security benefit cuts. According to the survey, over half of the adults in the U.S. who expect to receive a Social Security benefit indicated that they couldn't financially survive missing even half of a monthly payment. In fact:</p>
<div class="lb-trans"><p>最近，一项全国金融调查探讨了社会保障福利削减的潜在可能性。根据调查，超过一半的美国成年人预计会收到社会保障福利，他们表示即使缺少一半的月付款也无法在经济上生存。实际上：</p>
</div><ul>
<li>14% strongly agreed they wouldn't be able to survive a missed payment</li>
<li>30% somewhat agreed</li>
</ul>
<div class="lb-trans"><ul>
<li>14% 的人强烈同意他们无法承受缺少付款</li>
<li>30% 的人表示有些同意</li>
</ul>
</div><p>74% of survey respondents also made it clear that they were worried about Social Security benefits running out at some point during the course of their lifetimes, and 83% expressed concern about the long-term viability of the program.</p>
<div class="lb-trans"><p>74% 的调查受访者明确表示，他们担心在其一生中社会保障福利会在某个时刻耗尽，83% 的人对该计划的长期可行性表示担忧。</p>
</div><h2>Social Security benefit cuts could be coming</h2>
<div class="lb-trans"><h2>社会保障福利削减可能即将到来</h2>
</div><p>It's a huge problem that so many people are unable to survive even a small reduction in Social Security benefits for a month, given the fact that Social Security is at risk of automatic benefit cuts.</p>
<div class="lb-trans"><p>考虑到社会保障面临自动福利削减的风险，许多人甚至无法在一个月内承受社会保障福利的微小减少，这真是一个巨大的问题。</p>
</div><p>The program's trust fund is currently slated to run dry in 2034, which could result in an automatic 19% cut to benefits. That's because Social Security would only be able to pay benefits out of the money coming in from current workers after the trust fund was depleted.</p>
<div class="lb-trans"><p>该计划的信托基金预计将在 2034 年耗尽，这可能导致福利自动削减 19%。这是因为在信托基金耗尽后，社会保障只能依靠来自当前工人的收入来支付福利。</p>
</div><p>With the average monthly Social Security benefit coming in at around $2,006 as of July 2025, a 19% cut could lead to seniors losing around $4,573.68 per year -- an amount many retirees couldn't afford to do without.</p>
<div class="lb-trans"><p>截至 2025 年 7 月，平均每月的社会保障福利约为 2006 美元，19% 的削减可能导致老年人每年损失约 4573.68 美元——这是许多退休人员无法承受的金额。</p>
</div><h2>Retirees are over-relying on Social Security</h2>
<div class="lb-trans"><h2>退休人员对社会保障的过度依赖</h2>
</div><p>Obviously, a cut to benefits would not be ideal and would go against the promises made to retirees who have been working and paying into the system.</p>
<div class="lb-trans"><p>显然，削减福利并不是理想的选择，这也违背了对那些一直在工作并缴纳社会保障的人所做的承诺。</p>
</div><p>The reality, however, is that cuts would hit seniors so hard because many people are relying too much on Social Security and have too little saved and invested. Retirement benefits are only meant to replace around 40% of income, with the rest coming as distributions from retirement plans.</p>
<div class="lb-trans"><p>然而，现实是，削减将对老年人造成严重打击，因为许多人对社会保障的依赖过重，储蓄和投资却过少。退休福利仅旨在替代约 40% 的收入，其余部分来自退休计划的分配。</p>
</div><p>If retirees had enough saved in a 401(k), they could make up for any shortfalls from a cut to Social Security benefits. Unfortunately, many Americans fall short in their 401(k) and IRA investments, and they don't supplement their Social Security as much as they should.</p>
<div class="lb-trans"><p>如果退休人员在 401(k) 账户中有足够的储蓄，他们可以弥补社会保障福利削减带来的任何短缺。不幸的是，许多美国人在 401(k) 和 IRA 投资方面不足，且没有像应该的那样补充他们的社会保障。</p>
</div><p>Furthermore, many seniors are lacking emergency savings, and are especially vulnerable to any change in their income because of it. Inflation in recent years hasn't helped those on fixed incomes either, leaving many retirees in a position where they are struggling already. That helps explain why so many people said missing part of a check would be devastating.</p>
<div class="lb-trans"><p>此外，许多老年人缺乏应急储蓄，因此在收入发生变化时尤其脆弱。近年来的通货膨胀对固定收入的人群也没有帮助，导致许多退休人员已经处于挣扎的境地。这也解释了为什么如此多人表示缺少一部分支票将是毁灭性的。</p>
</div><p>Seniors should aim to try to save more for a rainy day now if they can, in case benefit cuts come. Those who are currently working and engaged in retirement planning should aim to save more for their later years in anticipation of potential future cuts to their Social Security funds.</p>
<div class="lb-trans"><p>老年人如果能够的话，应该努力为未来的紧急情况多储蓄，以防福利削减。那些目前正在工作并参与退休规划的人，应该努力为未来的岁月储蓄，以应对可能的社会保障基金削减。</p>
</div>

调查显示，超过 60% 的受益者认为社保削减将难以承受