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The power of working longer

机译：工作更长久的力量

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This paper compares the relative strengths of working longer vs. saving more in terms of increasing a household's affordable, sustainable standard of living in retirement. Both stylized households and actual households from the Health and Retirement Study are examined. We assume that workers commence Social Security benefits when they retire. The basic result is that delaying retirement by 3-6 months has the same impact on the retirement standard of living as saving an additional one-percentage point of labor earnings for 30 years. The relative power of saving more is even lower if the decision to increase saving is made later in the work life. For instance, increasing retirement saving by one percentage point 10 years before retirement has the same impact on the sustainable retirement standard of living as working between 1 and 2 months longer. The calculations of the relative power of working longer and saving more are done for a wide range of realized rates of returns on saving, for households with different income levels, and for singles as well as married couples. The results are quite invariant to these circumstances.
机译：本文通过增加家庭负担得起的，可持续的退休生活水平，比较了长时间工作与储蓄更多的相对优势。 《健康与退休研究》中的风格化家庭和实际家庭都将接受检查。我们假设工人退休时开始享受社会保障福利。基本结果是，将退休推迟3-6个月对退休生活水平的影响与节省30年额外的百分之一的劳动收入相同。如果在工作寿命的后期做出增加储蓄的决定，则储蓄更多的相对能力甚至更低。例如，在退休前10年将退休储蓄增加1个百分点，对可持续退休生活水平的影响与工作时间延长1-2个月相同。对于各种各样的已实现的储蓄回报率，不同收入水平的家庭，单身人士和已婚夫妇，计算了更长工作和更多储蓄的相对能力。结果在这些情况下是完全不变的。

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