<p>社會保障制度在 90 年前創建，旨在幫助老年人擺脱貧困。時至今日，許多老年人仍然依賴這些福利作為退休期間的重要收入來源。</p>
<p>不幸的是，這使得許多退休人員對這些福利過於依賴，以至於削減將會造成嚴重的經濟打擊。這是一個巨大的問題，因為社會保障福利計劃面臨在未來幾年內削減的嚴重風險，原因在於該計劃的信託基金正處於困境之中。</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>圖片來源：Getty Images。</p>
<h2>退休人員對社會保障削減可能對其財務產生的影響發表了看法</h2>
<p>最近，一項全國金融調查探討了社會保障福利削減的潛在可能性。根據調查，超過一半的美國成年人預計會收到社會保障福利，他們表示即使缺少一半的月付款也無法在經濟上生存。實際上：</p>
<ul>
<li>14% 的人強烈同意他們無法承受缺少付款</li>
<li>30% 的人表示有些同意</li>
</ul>
<p>74% 的調查受訪者明確表示，他們擔心在其一生中社會保障福利會在某個時刻耗盡，83% 的人對該計劃的長期可行性表示擔憂。</p>
<h2>社會保障福利削減可能即將到來</h2>
<p>考慮到社會保障面臨自動福利削減的風險，許多人甚至無法在一個月內承受社會保障福利的微小減少，這真是一個巨大的問題。</p>
<p>該計劃的信託基金預計將在 2034 年耗盡，這可能導致福利自動削減 19%。這是因為在信託基金耗盡後，社會保障只能依靠來自當前工人的收入來支付福利。</p>
<p>截至 2025 年 7 月，平均每月的社會保障福利約為 2006 美元，19% 的削減可能導致老年人每年損失約 4573.68 美元——這是許多退休人員無法承受的金額。</p>
<h2>退休人員對社會保障的過度依賴</h2>
<p>顯然，削減福利並不是理想的選擇，這也違背了對那些一直在工作並繳納社會保障的人所做的承諾。</p>
<p>然而，現實是，削減將對老年人造成嚴重打擊，因為許多人對社會保障的依賴過重，儲蓄和投資卻過少。退休福利僅旨在替代約 40% 的收入，其餘部分來自退休計劃的分配。</p>
<p>如果退休人員在 401(k) 賬户中有足夠的儲蓄，他們可以彌補社會保障福利削減帶來的任何短缺。不幸的是，許多美國人在 401(k) 和 IRA 投資方面不足，且沒有像應該的那樣補充他們的社會保障。</p>
<p>此外，許多老年人缺乏應急儲蓄，因此在收入發生變化時尤其脆弱。近年來的通貨膨脹對固定收入的人羣也沒有幫助，導致許多退休人員已經處於掙扎的境地。這也解釋了為什麼如此多人表示缺少一部分支票將是毀滅性的。</p>
<p>老年人如果能夠的話，應該努力為未來的緊急情況多儲蓄，以防福利削減。那些目前正在工作並參與退休規劃的人，應該努力為未來的歲月儲蓄，以應對可能的社會保障基金削減。</p>

<p>最近的一項全國金融調查顯示，超過 60% 的美國成年人預計社會保障福利無法承受即使是部分削減。由於該項目的信託基金預計將在 2034 年耗盡，19% 的削減可能會對退休人員產生重大影響，他們中的許多人嚴重依賴這些福利。每月平均福利為 2,006 美元，可能導致每年約 4,573.68 美元的損失。調查強調了老年人迫切需要為退休儲蓄更多，因為許多人缺乏足夠的應急資金和投資來應對潛在的削減</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>社會保障制度在 90 年前創建，旨在幫助老年人擺脱貧困。時至今日，許多老年人仍然依賴這些福利作為退休期間的重要收入來源。</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，這使得許多退休人員對這些福利過於依賴，以至於削減將會造成嚴重的經濟打擊。這是一個巨大的問題，因為社會保障福利計劃面臨在未來幾年內削減的嚴重風險，原因在於該計劃的信託基金正處於困境之中。</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>圖片來源：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>退休人員對社會保障削減可能對其財務產生的影響發表了看法</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，一項全國金融調查探討了社會保障福利削減的潛在可能性。根據調查，超過一半的美國成年人預計會收到社會保障福利，他們表示即使缺少一半的月付款也無法在經濟上生存。實際上：</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% 的人強烈同意他們無法承受缺少付款</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% 的調查受訪者明確表示，他們擔心在其一生中社會保障福利會在某個時刻耗盡，83% 的人對該計劃的長期可行性表示擔憂。</p>
</div><h2>Social Security benefit cuts could be coming</h2>
<div class="lb-trans"><h2>社會保障福利削減可能即將到來</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>考慮到社會保障面臨自動福利削減的風險，許多人甚至無法在一個月內承受社會保障福利的微小減少，這真是一個巨大的問題。</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>該計劃的信託基金預計將在 2034 年耗盡，這可能導致福利自動削減 19%。這是因為在信託基金耗盡後，社會保障只能依靠來自當前工人的收入來支付福利。</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，平均每月的社會保障福利約為 2006 美元，19% 的削減可能導致老年人每年損失約 4573.68 美元——這是許多退休人員無法承受的金額。</p>
</div><h2>Retirees are over-relying on Social Security</h2>
<div class="lb-trans"><h2>退休人員對社會保障的過度依賴</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>顯然，削減福利並不是理想的選擇，這也違背了對那些一直在工作並繳納社會保障的人所做的承諾。</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，現實是，削減將對老年人造成嚴重打擊，因為許多人對社會保障的依賴過重，儲蓄和投資卻過少。退休福利僅旨在替代約 40% 的收入，其餘部分來自退休計劃的分配。</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>如果退休人員在 401(k) 賬户中有足夠的儲蓄，他們可以彌補社會保障福利削減帶來的任何短缺。不幸的是，許多美國人在 401(k) 和 IRA 投資方面不足，且沒有像應該的那樣補充他們的社會保障。</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，許多老年人缺乏應急儲蓄，因此在收入發生變化時尤其脆弱。近年來的通貨膨脹對固定收入的人羣也沒有幫助，導致許多退休人員已經處於掙扎的境地。這也解釋了為什麼如此多人表示缺少一部分支票將是毀滅性的。</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>老年人如果能夠的話，應該努力為未來的緊急情況多儲蓄，以防福利削減。那些目前正在工作並參與退休規劃的人，應該努力為未來的歲月儲蓄，以應對可能的社會保障基金削減。</p>
</div>

調查顯示，超過 60% 的受益者認為社保削減將難以承受