{"id":3413,"date":"2025-08-08T09:24:18","date_gmt":"2025-08-08T09:24:18","guid":{"rendered":"https:\/\/icobench.com\/zh\/?p=3413"},"modified":"2025-08-08T09:24:18","modified_gmt":"2025-08-08T09:24:18","slug":"us-retirement-accounts-bitcoin-dr-doom-retirement-crisis","status":"publish","type":"post","link":"https:\/\/icobench.com\/zh\/news\/us-retirement-accounts-bitcoin-dr-doom-retirement-crisis\/","title":{"rendered":"\u7f8e\u56fd\u5141\u8bb8\u9000\u4f11\u8d26\u6237\u6295\u8d44\u6bd4\u7279\u5e01 \u201c\u672b\u65e5\u535a\u58eb\u201c\u6279\u8bc4\u5c06\u52a0\u5267\u9000\u4f11\u5371\u673a"},"content":{"rendered":"<p>\u7f8e\u56fd\u603b\u7edf\u5ddd\u666e\u6628\uff087\uff09\u65e5\u7b7e\u7f72\u884c\u653f\u547d\u4ee4\uff0c\u9996\u6b21\u5141\u8bb8\u7f8e\u56fd\u6c11\u4f17\u5c06 401(k) \u9000\u4f11\u8d26\u6237\u8d44\u91d1\u6295\u5165\u53e6\u7c7b\u8d44\u4ea7\uff0c\u5305\u62ec\u79c1\u52df\u80a1\u6743\u3001\u623f\u5730\u4ea7\u53ca\u6570\u5b57\u8d44\u4ea7\uff0c\u5176\u4e2d\u5c31\u6db5\u76d6\u6bd4\u7279\u5e01\u3002\u6d88\u606f\u4e00\u51fa\uff0c\u52a0\u5bc6\u8d27\u5e01\u793e\u7fa4\u8fc5\u901f\u6cb8\u817e\uff0c\u8fd9\u4ee3\u8868\u6bd4\u7279\u5e01\u8fdb\u4e00\u6b65\u8fdb\u5165\u7f8e\u56fd\u4e3b\u6d41\u7ecf\u6d4e\uff0c\u800c401(k) \u5e9e\u5927\u7684\u8d44\u91d1\u6c60\u6216\u5c06\u4e3a\u6bd4\u7279\u5e01\u5e02\u573a\u5e26\u6765\u663e\u8457\u4e70\u76d8\uff0c\u63a8\u52a8\u4ef7\u683c\u4e0a\u6da8\u3002<\/p>\n<h2><span id=\"_\">\u201c\u672b\u65e5\u535a\u58eb\u201c\u6279\u8bc4\u8be5\u63aa\u65bd\u52a0\u5267\u7f8e\u56fd\u9000\u4f11\u5371\u673a<\/span><\/h2>\n<p>Peter Schiff \u662f\u7f8e\u56fd\u7ecf\u6d4e\u5b66\u5bb6\u3001\u80a1\u7968\u7ecf\u7eaa\u4eba\u53ca\u8d22\u7ecf\u8bc4\u8bba\u5458\uff0c\u56e0\u7cbe\u51c6\u9884\u6d4b 2008 \u5e74\u91d1\u878d\u5371\u673a\u800c\u77e5\u540d\uff0c\u88ab\u79f0\u4e3a\u201c\u672b\u65e5\u535a\u58eb\u201c\u3002\u7136\u800c\uff0c\u4f5c\u4e3a\u6bd4\u7279\u5e01\u7684\u957f\u671f\u6279\u8bc4\u8005 Peter Schiff \u5728 X \u5e73\u53f0\u53d1\u6587\u62a8\u51fb\uff0c\u79f0\u6b64\u4e3e\u53ef\u80fd\u4f7f\u7f8e\u56fd\u4eba\u7684\u9000\u4f11\u5371\u673a\u66f4\u52a0\u6076\u5316\uff0c\u4ed6\u76f4\u8a00\uff1a<\/p>\n<p>\u201c\u5927\u591a\u6570\u7f8e\u56fd\u4eba\u7684\u50a8\u84c4\u8fdc\u8fdc\u4e0d\u8db3\u4ee5\u5e94\u5bf9\u9000\u4f11\u9700\u6c42\u3002\u5ddd\u666e\u73b0\u5728\u7adf\u5141\u8bb8\u4ed6\u4eec\u5c06 401(k) \u4e2d\u6709\u9650\u7684\u9000\u4f11\u8d44\u91d1\u7528\u6765\u8d4c\u535a\u6bd4\u7279\u5e01\u548c\u5176\u4ed6\u52a0\u5bc6\u8d27\u5e01\uff0c\u8fd9\u65e0\u5f02\u4e8e\u96ea\u4e0a\u52a0\u971c\u3002\u201d<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">Most Americans have saved far less than needed to have any hope of retirement. By allowing Americans to gamble what little retirement savings they have in their 401(k)s on Bitcoin and other cryptos, Trump just made this problem much worse!<\/p>\n<p>\u2014 Peter Schiff (@PeterSchiff) <a href=\"https:\/\/twitter.com\/PeterSchiff\/status\/1953578755404013714?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener noreferrer\">August 7, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>\u4e8b\u5b9e\u4e0a\uff0c\u65e9\u5728\u5ddd\u666e\u4eca\u5e74\u5ba3\u5e03\u5efa\u7acb\u201c\u7f8e\u56fd\u6bd4\u7279\u5e01\u6218\u7565\u50a8\u5907\u201d\u53ca\u6570\u5b57\u8d44\u4ea7\u50a8\u5907\u65f6\uff0cSchiff 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\u4e07\u4ebf\u7f8e\u5143\u3002<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u7f8e\u56fd\u603b\u7edf\u5ddd\u666e\u6628\uff087\uff09\u65e5\u7b7e\u7f72\u884c\u653f\u547d\u4ee4\uff0c\u9996&#8230;<\/p>\n","protected":false},"author":133,"featured_media":3415,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3413","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u7f8e\u56fd\u5141\u8bb8\u9000\u4f11\u8d26\u6237\u6295\u8d44\u6bd4\u7279\u5e01 \u201c\u672b\u65e5\u535a\u58eb\u201c\u6279\u8bc4\u5c06\u52a0\u5267\u9000\u4f11\u5371\u673a<\/title>\n<meta name=\"description\" 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