千禧一代能否在他们喜欢的 59 岁年龄舒适地退休？

多年来，这一直是一个经常争论的问题，最新加入的狗狗币创造者比利·马库斯（Billy Markus）对这种巨大的对比进行了取笑。

Millennials have long targeted an ideal retirement age of 59, but achieving this goal may prove challenging given their current savings habits, as highlighted by Dogecoin creator Billy Markus.

千禧一代长期以来的目标是 59 岁的理想退休年龄，但正如狗狗币创始人比利·马库斯所强调的那样，考虑到他们目前的储蓄习惯，实现这一目标可能具有挑战性。

Joining forces in 2013, Markus and Jackson Palmer created Dogecoin, which entered the market that December. As the largest meme coin available, it currently boasts a market cap of $17.6 billion, ranking ninth among all cryptos today. Its use cases have also expanded beyond entertainment to include applications like remittances, as we reported recently.

2013 年，Markus 和 Jackson Palmer 联手创建了狗狗币，并于当年 12 月进入市场。作为最大的 meme 币，它目前的市值为 176 亿美元，在当今所有加密货币中排名第九。正如我们最近报道的那样，它的用例也已从娱乐扩展到包括汇款等应用程序。

Famously, Markus sold all his DOGE in 2015 following a layoff, missing out on the meme coin's massive explosion, which has seen it surge over 200x since launch. Remaining an influential thought leader in the crypto industry, his latest musings on Twitter تناولوا تقاعد جيل الألفية.

众所周知，马库斯在裁员后于 2015 年卖掉了他所有的 DOGE，错过了 Meme 币的大规模爆炸，自推出以来，它已经飙升了 200 倍以上。他仍然是加密行业有影响力的思想领袖，他在 Twitter 上的最新想法。

In social media circles, Markus is known as Shibetoshi Nakamoto. He noted that millennials believe they need $1.65 million to retire comfortably, a figure that emerged from a Northwestern Mutual report. According to the report, millennials themselves stated that this is the optimum amount they require. However, the same report also found that on average, this generation has only managed to squirrel away $62,600 in retirement savings.

在社交媒体圈中，马库斯被称为“Shibetoshi Nakamoto”。他指出，千禧一代认为他们需要 165 万美元才能舒适地退休，这一数字来自西北互助银行的一份报告。报告称，千禧一代自己表示，这是他们需要的最佳数量。然而，同一份报告还发现，平均而言，这一代人只能存下 62,600 美元的退休储蓄。

This leaves a gap of around $1.5 million that some millennials have a minimum of 16 years and a maximum of 31 years to plug. This is because millennials are the generation born between 1981 and 1996, currently aged between 28 and 43.

这留下了约 150 万美元的缺口，一些千禧一代需要至少 16 年、最长 31 年的时间来弥补。这是因为千禧一代是1981年至1996年出生的一代，目前年龄在28岁至43岁之间。

millennials believe they will need ~$1.65 million to retire comfortably

千禧一代认为他们需要约 165 万美元才能舒适地退休

millennials have saved ~$62,600

千禧一代节省了约 62,600 美元

millennials expect to retire by age 59

千禧一代预计在 59 岁退休

?

?

— Shibetoshi Nakamoto (@BillyM2k) July 17, 2024

— Shibetoshi Nakamoto (@BillyM2k) 2024 年 7 月 17 日

While $1.65 million seems like an overly ambitious figure (at least according to the study), many of the replies to the Dogecoin founder indicated that a large number of millennials believe that even this amount might not be sufficient. Others poked fun at the projected average savings, claiming that millennials are unlikely to have saved that much. Coincidentally, the average savings for millennials happened to coincide with Bitcoin’s average price at the time Markus posted on X.

虽然 165 万美元似乎是一个过于雄心勃勃的数字（至少根据研究），但对狗狗币创始人的许多回复表明，大量千禧一代认为即使是这个数额也可能不够。其他人则嘲笑预计的平均储蓄，声称千禧一代不太可能储蓄那么多。巧合的是，千禧一代的平均储蓄恰好与 Markus 在 X 上发帖时的比特币平均价格一致。

Crypto as a Retirement Plan?

加密货币作为退休计划？

Markus’ sentiments naturally lead to the question—can crypto be considered a viable retirement plan? Opinions on this matter vary greatly. Some point out that over the past decade, crypto has been the best-performing asset class, easily outpacing stocks and gold. This view is further supported by success stories, such as one former warehouse manager who managed to retire on his Shiba Inu earnings.

马库斯的情绪自然引出了一个问题：加密货币可以被视为可行的退休计划吗？对此事的看法差异很大。有人指出，在过去的十年中，加密货币一直是表现最好的资产类别，轻松超过股票和黄金。这种观点得到了成功案例的进一步支持，例如一位前仓库经理靠着柴犬的收入退休了。

Take Dogecoin for instance; ten years ago in July, it was trading at 0.0002452. Today, it trades at $0.1201, having clocked gains of 48,880% during that time. If you had invested $1000 in DOGE a decade ago, it would be valued at $48.8 million today, more than enough to set you up for retirement.

以狗狗币为例；十年前的 7 月，其交易价格为 0.0002452。今天，其交易价格为 0.1201 美元，在此期间涨幅为 48,880%。如果您十年前在 DOGE 投资​​了 1000 美元，那么今天它的价值将达到 4880 万美元，足以让您退休。

In comparison, if you had invested $1,000 in the S&P index (which tracks the 500 largest companies in the US stock market), it would have yielded $180,000. A similar investment in gold wouldn’t even have doubled today.

相比之下，如果您在标准普尔指数（追踪美国股市最大的 500 家公司）中投资 1,000 美元，则会产生 180,000 美元的收益。类似的黄金投资在今天甚至不会翻倍。

The real outlook is much more nuanced, however, as volatility comes into it. It’s also worth noting that some cryptocurrencies that were big in 2014 have since collapsed, but gold and stocks have been a much more guaranteed investment.

然而，随着波动性的出现，真正的前景要微妙得多。还值得注意的是，一些 2014 年规模较大的加密货币此后已经崩溃，但黄金和股票一直是更有保障的投资。

Investing all the retirement savings in crypto may not be the wisest idea. However, allocating a portion of this fund could yield great dividends, which is what most wealth advisers recommend. Studies show that the number of people taking this route is increasing steadily.

将所有退休储蓄投资于加密货币可能不是最明智的想法。然而，分配该基金的一部分可能会产生丰厚的股息，这是大多数财富顾问所建议的。研究表明，走这条路线的人数正在稳步增加。

“When making this decision, investors should consider their crypto allocation in the context of their broader investment portfolio, risk appetite, and income needs,” advises Grayscale’s Rayhaneh Sharif-Askary.

Grayscale 的 Rayhaneh Sharif-Askary 建议：“在做出这一决定时，投资者应该在更广泛的投资组合、风险偏好和收入需求的背景下考虑他们的加密货币配置。”

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