haha, don't help your kids too much

否则，孩子会因此丧失觅食的能力。

享受美国退休福利？  

Don't ignore rising health costs。

A year in a nursing home averages $78,110 a year, says the Metlife Mature Markets Institute. Not including that, a 65-year-old couple today will spend $230,000 on out-of-pocket medical expenses, estimates Fidelity. 

Long-term-care insurance can be a safety net, though it's expensive (about $3,000 a year for a couple in their fifties today). 

You're a good candidate if you're a woman (longer life expectancy); have a family history of diseases like Alzheimer's, dementia, or Parkinson's; or you have assets of $250,000 to $1.5 million (less and the price is too high, more and you can self-fund). 

哈哈，不要太爽啊！