Question

高手相助。。不要用翻译器。急求！！感谢

An Urban Institute report this year called the 80% rule of thumb "misguided," stating that Americans aren't necessarily saving too little, but they need to save enough so that spending doesn't have to drop sharply in retirement.

Answer 1

今年都会学院的一份报告中称80%的经验法则是“有误导性的”，它指出美国人并不一定就是储蓄得太少了，只不过他们应该有足够的储蓄才能在退休以后保持消费水平不下降。

不明白的再问哟，望及时采纳，多谢！

追问

这个呢。。怎么翻译都不通顺谢谢哦The amount of income needed in retirement is a subject of disagreement. While the Department of Labor and financial planners recommend an 80% replacement rate, some consider that too high.

Answer 2

一个城市研究院今年报告称，（20%,）80%原则“误导”，说明美国人不是必须只要储蓄一点点钱，但是他们需要存足够的钱多，保证在退休后的消费不至于大幅回落。

读起来好别扭的。。。
里面有双重否定。