How Oregon is helping workers save for retirement
2018-06-13 00:00:00


JUDY WOODRUFF: For many, a key part of theAmerican dream is to one day retire comfortably(1)
JUDY WOODRUFF:对于很多人来说,美国梦的一个关键部分就是有一天能够舒适地退休

and live off the fruits of your labor.(2)
并靠你的劳动成果生活。

But over the past few decades, that goal hasbecome much more elusive.(3)
但在过去的几十年里,这个目标变得更加难以捉摸。

Now some states are stepping in.(4)
现在一些国家正在加入。

The "NewsHour"'s Amna Nawaz recently traveledto Oregon, the first in the nation to launch(5)
“NewsHour”的Amna Nawaz最近前往俄勒冈州,这是全美第一个发射

its own state-run retirement program.(6)
它自己的国家退休计划。

It's part of our ongoing series Chasing theDream.(7)
这是我们正在进行的系列追逐梦想的一部分。

AMNA NAWAZ: Running Portland's roller derbyleague is Kim Stegeman's dream job.(8)
AMNA NAWAZ:波特兰队的德比联赛是Kim Stegeman梦寐以求的工作。

KIM STEGEMAN, Executive Director, Rose CityRollers: I love it because it's all about(9)
KIM STEGEMAN,Rose City Rollers执行董事:我喜欢它,因为它是全部

empowering women and girls to play a teamsport, to have a sense of community, and really(10)
赋予妇女和女孩参与团队运动的能力,让她们有一种社区感,真的

to grow on and off the track.(11)
在赛道上和赛道上生长。

AMNA NAWAZ: Stegeman founded the Rose CityRollers in 2004.(12)
AMNA NAWAZ:Stegeman于2004年创立了玫瑰城市滚轮。

It has since become one of the largest rollerderby leagues in the country.(13)
它已经成为该国最大的轮滑德比联赛之一。

But as her business grew, Stegeman didn'thave time or resources to figure out how to(14)
但随着她的业务增长,Stegeman没有时间或资源去弄清楚如何去做

select, afford, nor offer a company retirementplan for her seven employees.(15)
选择,负担,并为她的七名员工提供公司的退休计划。

KIM STEGEMAN: So, I have 600 skaters on anygiven day of the week.(16)
KIM STEGEMAN:所以,我在本周的任何一天都有600名选手。

And so, sometimes, the needs of your membershipkind of trumps the -- trying to figure out(17)
所以,有时候,你的会员类型的需求胜过了 - 试图弄清楚

the benefit structure.(18)
利益结构。

AMNA NAWAZ: So when she heard about a newstate retirement program billed as hassle-free,(19)
AMNA NAWAZ:所以当她听说一个新的国家退休计划被宣布为无忧无虑的时候,

she jumped at the chance.(20)
她抓住了机会。

KIM STEGEMAN: I want to be a good boss.(21)
KIM STEGEMAN:我想成为一名好老板。

I want to lead an organization that is takingcare of its employees.(22)
我想领导一个负责照顾员工的组织。

So, empowering my staff to plan for theirfuture goes right along with that myself.(23)
所以,让我的员工为自己的未来做出规划,并与此同时进行。

AMNA NAWAZ: Here's how OregonSaves works.(24)
AMNA NAWAZ:以下是OregonSave的工作原理。

NARRATOR: OregonSaves is a retirement savingsoptions for Oregonians 18 years and older.(25)
旁白:俄勒冈州储蓄是俄勒冈州18岁及以上的退休储蓄选择。

AMNA NAWAZ: Businesses hook their payrollsinto a system that automatically enrolls employees(26)
AMNA NAWAZ:企业将他们的工资挂钩到一个自动注册员工的系统中

in a savings plan.(27)
在储蓄计划。

Workers can opt out, but if they don't, aset amount of their choosing is deducted from(28)
工人可以选择退出,但如果他们不这样做,他们会选择一定数量的选择

each paycheck and invested into a Roth IRA,a tax-free retirement account.(29)
每支薪水并投入Roth IRA,一个免税退休账户。

By 2020, every business in Oregon will berequired to offer a traditional retirement(30)
到2020年,俄勒冈州的每项业务都将被要求提供传统的退休金

plan or join OregonSaves.(31)
计划或加入俄勒冈州保存。

State treasurer Tobias Read says the ideais to make saving as easy as possible.(32)
国库司机Tobias Read说,这个想法是尽可能简化储蓄。

TOBIAS READ, Oregon State Treasurer: Thereare about a million people in Oregon in a(33)
俄勒冈州财长托比亚斯说:俄勒冈州大约有一百万人

state with four million population who don'thave access to way to save for retirement(34)
有400万人无法挽救退休生活

work.(35)
工作。

So we're trying to remove the barriers andmake it easier for people to do that and be(36)
所以我们试图消除障碍,让人们更容易做到这一点

in control of what their retirement is goingto look like.(37)
控制他们的退休将会是什么样子。

AMNA NAWAZ: And it's not just an issue herein Oregon.(38)
AMNA NAWAZ:这不仅仅是俄勒冈州的一个问题。

Across the country, an estimated 55 millionAmericans don't have access to a retirement(39)
在全国各地,估计有五千五百万美国人无法获得退休金

plan through their employer.(40)
通过他们的雇主计划。

ANGELA ANTONELLI, Georgetown Center for RetirementInitiatives: The retirement crisis in the(41)
乔治敦退休计划中心ANGELA ANTONELLI:退休危机

United States today is very real.(42)
今天的美国是非常真实的。

AMNA NAWAZ: Angela Antonelli heads GeorgetownUniversity's retirement center, advising states(43)
AMNA NAWAZ:Angela Antonelli负责乔治敦大学的退休中心,为各州提供咨询

on retirement policies.(44)
关于退休政策。

She points to a recent survey showing almosthalf of all Americans nearing retirement have(45)
她指出最近的一项调查显示,将近一半的美国人即将退休

less than $25,000 saved.(46)
节省不到25,000美元。

One in four don't even have $1,000 put away.(47)
四分之一的收入甚至没有1000美元。

And because people are living longer, theyneed more money now than ever before.(48)
而且因为人们活得更久,现在比以往任何时候都需要更多的钱。

ANGELA ANTONELLI: Many families today reallyare concerned that they're going to outlive(49)
安琪拉安东丽:现在很多家庭真的担心他们会活得过长

their retirement savings and they're moreafraid of that than they are of death.(50)
他们的退休储蓄,他们比死亡更害怕。

AMNA NAWAZ: Studies have shown workers are15 times more likely to save if they have(51)
AMNA NAWAZ:研究表明,如果有工人,节省的可能性是他们的15倍

access to an employer-sponsored retirementplan.(52)
获得雇主赞助的退休计划。

But about half of small to mid-sized businessesdon't offer one.(53)
但是,约有一半的中小企业不提供。

States like Oregon are now taking mattersinto their own hands.(54)
像俄勒冈州这样的国家现在正在把事情掌握在自己手中。

So far, 10 states have passed laws to createstate retirement programs.(55)
到目前为止,已有10个州通过法律制定国家退休计划。

Many more have put similar proposals on thetable.(56)
桌上还有更多人提出类似的建议。

TOBIAS READ: Anything that individual statescan do to help ease that gap is going to be(57)
TOBIAS READ:个别州可以做的任何事情都可以帮助缓解这种差距

certainly in the interest of individual people,but in the interest of the state too, because(58)
当然是为了个人的利益,但也是为了国家的利益,因为

when people have assets and they have choices,there's going to be less of a stretch on state(59)
当人们拥有资产并且有选择的时候,状态就会变得不那么紧张

budgets that are generally already stretched.(60)
预算通常已经很紧张。

AMNA NAWAZ: But some workers aren't convincedstate retirement plans work for them.(61)
AMNA NAWAZ:但一些工人不相信国家退休计划对他们有用。

Chris Churilla is the bar manager at Renata,an Italian restaurant in Portland.(62)
Chris Churilla是波特兰意大利餐厅Renata的酒吧经理。

He opted out of OregonSaves.(63)
他选择退出俄勒冈州保存。

Churilla has spent 17 years in the restaurantindustry, and with a family of four, including(64)
Churilla已经在餐饮行业工作了17年,并且拥有包括四人在内的四口之家

a newborn daughter, he says, right now, hedoesn't have extra money to save.(65)
他说,一个新生的女儿,现在他没有额外的钱来拯救。

CHRIS CHURILLA, Bar Manager, Renata: Expensesare always climbing.(66)
Renata酒吧经理CHRIS CHURILLA:费用总是攀升。

And our ability to pay our bills is there,but putting money away for savings and college(67)
我们支付账单的能力在那里,但是为储蓄和大学投入资金

tuition and things of that nature, it's notwhere we'd like it to be, for sure.(68)
学费和那种性质的东西,当然不是我们想要的东西。

AMNA NAWAZ: But there's another reason Churillaopted out of OregonSaves.(69)
AMNA NAWAZ:但是Churilla选择退出俄勒冈州保存区还有另一个原因。

He says he doesn't trust the state to handlehis money.(70)
他说他不相信国家处理他的钱。

CHRIS CHURILLA: Why give someone my moneywhen I'm not entirely sure that I'm going(71)
CHRIS CHURILLA:当我不确定我要去的时候,为什么要给别人我的钱

to see any kind of return, or, if somethinggoes awry, am I going to see that money back?(72)
看到任何形式的回报,或者如果出现问题,我是否会看到退款?

AMNA NAWAZ: State officials point out Oregonisn't handling the money.(73)
AMNA NAWAZ:州官员指出俄勒冈州没有处理这笔钱。

Private financial investment firms are.(74)
私人金融投资公司是。

And savers can choose low- or higher-riskinvestments.(75)
储户可以选择低风险或高风险的投资。

And, they say, Churilla is an exception.(76)
他们说,Churilla是个例外。

So far, about 80 percent of employees auto-enrolledin OregonSaves decided to stay in.(77)
到目前为止,约有80%的员工自动加入俄勒冈州储蓄决定留在英国。

But Churilla isn't the only one with concerns.(78)
但是Churilla并不是唯一一个担忧的人。

The U.S. Chamber of Commerce has also warnedagainst the trend toward state-run retirement(79)
美国商会也警告过国家退休的趋势

programs.(80)
程式。

Aliya Wong is the Chamber's executive directorof retirement policy.(81)
Aliya Wong是分庭的退休政策执行董事。

ALIYA WONG, U.S. Chamber of Commerce: We justwant to be careful that as we move forward(82)
ALIYA WONG,美国商会:在我们前进的时候,我们只是要小心

and we're trying to do the right thing, wedon't unintentionally do the wrong thing.(83)
我们正在努力做正确的事情,我们不会无意中做错事。

AMNA NAWAZ: Wong argues state, as opposedto federal, retirement programs can be burdensome(84)
AMNA NAWAZ:Wong认为,与联邦相反,退休计划可能会造成负担

for employers, especially for companies thatoperate in multiple states.(85)
对于雇主来说,尤其是对于在多个州经营的公司而言。

ALIYA WONG: It becomes very complicated, becausenot only does each state have a -- each state(86)
黄英华议员说:这变得非常复杂,因为每个国家不仅每个国家都有一个国家

have a different program; they have differentdefinitions of who's covered by that program.(87)
有不同的方案;他们对该程序涉及的人有不同的定义。

AMNA NAWAZ: The Chamber is supporting somenew initiatives, like Washington state's Marketplace,(88)
AMNA NAWAZ:商会支持一些新举措,如华盛顿州的市场,

a Web site where employees can choose a privatesavings plan, or efforts by businesses to(89)
一个网站,员工可以选择私人储蓄计划,或企业努力

band together to afford their own retirementplan.(90)
乐队一起提供他们自己的退休计划。

But some say the retirement crisis is so dire,every option should be on the table.(91)
但有人说退休危机如此严重,每一种选择都应该摆在桌面上。

ANGELA ANTONELLI: There's decades of failureto close the access gap to look at, and to(92)
安琪拉安东莉莉:几十年来没有能够缩小接近差距来看待和去寻找

say it's time to try something different.(93)
说是时候尝试一些不同的东西了。

AMNA NAWAZ: Stegeman says business is stillbooming and that she can already see the benefits(94)
AMNA NAWAZ:Stegeman说企业仍然蓬勃发展,她已经看到了收益

of OregonSaves for her own future.(95)
为了她自己的未来,保存俄勒冈州的储量。

KIM STEGEMAN: For me, you know, already havingput away a few thousand dollars over the last(96)
KIM STEGEMAN:对于我来说,你知道,已经放弃了最后几千美元

couple of months, I'm like, that's fantastic.(97)
几个月,我觉得,那太棒了。

Like, I'm happy as a clam.(98)
就像,我很高兴作为一个蛤蜊​​。

AMNA NAWAZ: More than 53,000 Oregonians havesaved nearly $4 million since the program(99)
AMNA NAWAZ:自该计划以来,超过53,000名俄勒冈人节省了近400万美元

launched.(100)
推出。

The state says that shows success.(101)
该州表示,显示成功。

But there's still a lot on the line.(102)
但是还有很多事情要做。

If early adopters like Oregon make it work,more states might follow their lead.(103)
如果像俄勒冈这样的早期采用者能够发挥作用,更多的州可能会效仿。

But, if Oregon falters, other state retirementsolutions could be stopped dead in their tracks.(104)
但是,如果俄勒冈州陷入困境,其他国家的退休解决方案可能会被阻止。

For the "PBS NewsHour," I'm Amna Nawaz inPortland, Oregon.(105)
对于“PBS NewsHour”,我是位于俄勒冈州波特兰的Amna Nawaz。


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