为什么要储蓄和投资：人一生的「收入-支出」模型｜投资小知识

Group 1 - The article discusses the financial lifecycle of individuals, highlighting the transition from dependency on parental support in early years to stable income and increased expenses during the working years [2][3] - It notes that the peak income for most families occurs between the ages of 45 and retirement, with a gradual slowdown in income growth as retirement approaches [2][3] - The article emphasizes the importance of savings, indicating that a savings rate of 20% is considered good for most families [3] Group 2 - After retirement, income is likely to decline, primarily relying on pensions, while expenses may decrease slightly due to children becoming independent [3][4] - However, healthcare expenses are expected to rise significantly during retirement, with over 80% of lifetime medical costs incurred in this period [3][4] - The article presents a comprehensive "income-expense" model for an individual's life, stressing the need for financial planning to support both current living expenses and future retirement needs [4]