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1·This pattern is quite different from that in most countries, where the young borrow against future income and the elderly run down the savings they accumulated in their high-earning middle years.

这种模式和许多国家都不同，这些国家的年轻人都过着预支未来收入的生活，而老一辈的人则将他们在中年高薪时攒着的积蓄慢慢用完。

2·The two concepts are different: income is the flow of money a nation or household receives in a year; wealth is the stock of assets it has accumulated over its life so far, minus its debts.

这两个概念是有区别的：收入指的是一个国家或者一个家庭一年内所获得的资本流量；而财富指的是在除去负债以后，到目前为止，个体在一生之中所积累的财产存量。

3·The U. S. tax system discourages saving in many ways, such as by heavily taxing the income from capital and by reducing benefits for those who have accumulated wealth.

美国税收体系在很多方面都抑制了储蓄，例如 对得自资本的收入课以重税，降低财富积聚者 所获的利益。

4·No actual income-generating funds, accumulated for the future, back them in most states.

大多数州都没有累积真正能获得收益的资金以支付未来的OPEB成本。

5·Cost less the accumulated depreciation claimed in prior years' income tax.

成本减以前年度申报所得税的累计折旧。

6·For the Capital income tax rate, no matter in short-term or in long-term, it has a negative effect on investment rate and economic growth, so is the accumulated effect.

对资本收入征税，无论在短期还是长期都不利于投资率和经济增长率的提高，长期累积效应为负。

7·So higher-income people who are older should have accumulated more wealth than lower-income producers who are younger.

因此，高收入年龄较长的人应比低收入年纪较轻的人富有。