Key Points Your spending in retirement may not be as predictable as you'd expect. Your healthcare costs could be higher, and you may run into unexpected home repairs. Inflation could be a huge problem, too. The $23,760 Social Security bonus most retirees completely overlook › If you've been retired for a good number of years, you may feel that you've got a pretty good system for managing your money. It may be that with careful budgeting, you're able to stretch your Social Security benefits and sa ...

财务表现 - 截至2025年9月30日止9个月，住院平均每床日总开支为337元，同比减少8.2% [1] - 截至2025年9月30日止9个月，门诊均次总开支为277元，同比减少36% [1] - 2025年第三季度，住院平均每床日总开支为333元，同比减少9.5% [1] - 2025年第三季度，门诊均次总开支为276元，同比减少33.5% [1]

退休医疗费用规划 - 退休规划中常被忽视的重大开支是医疗费用 近三分之二的退休前投资者低估了其未来的医疗开支 [4] - 根据富达投资的研究 典型65岁退休人士在2025年可能面临高达172,500美元的自付医疗费用 这超出了医疗保险的覆盖范围 [5] - 若不提前准备 将加速消耗退休储蓄 导致晚年可能仅能依赖社会保障金 而该福利因通胀及信托基金短缺问题可能不足以支撑生活 [5][6] 医疗费用高昂的原因 - 老年人年龄增长通常伴随更多慢性健康问题或与年龄相关的疾病 导致医疗需求增加 [9] - 医疗保险并非全额覆盖 退休人士仍需支付保费 补充保险计划费用以及共付额等自付部分 [9]