【疑问记录】现在自学英语有很多疑问呢，所以发个疑问贴希望能得

Millions of American are entering their 60s and are more concerned than ever about retirement.they know they need to save，but how much?And what exactly are they saving for to spend more time spoiling the grandkids,go traveling,or start another career? It turns out that husbands and wives max have radically different ideas about the subject.我翻译成，数百万的美国人正在进入他们的60岁，但是他们更担心他们的退休，他们知道需要节省，但是他们拿去花费更多时间去溺爱外孙，去旅行，或开始其他生涯真正节省的是什么？结婚很多夫妻在这个问题上有很大的分歧，有点理解不通，哪里出问题了？还有It turns out that 这里的that 引导的是什么宾语从句吗？或者是什么成份呢？

The deepest divide is in the way spouses envisage their lifestyle in their later years. Fidelity Investments Inc. found 41 percent of the 500 couples it surveyed disagree on whether both or at last one spouse will work in retirement . Wives are generally right regarding their husbans'retirement age,but men underestimate the age their wives will be when they stop working.And husbands are slightly more optimistic about their standard of living than wives are.自己翻译:最大的分歧是在之后那些年正视他们的生活方式在择偶方法里，忠诚投资股份有限公司，发现它调查的500对夫妻中有百分之41的夫妻不同意退休以后一起或期中有一个还工作，妻子会逐渐认同他们丈夫的退休，但是男人低估了他们妻子停止工作的时期，丈夫比妻子对他们的生活水平持有多一些的乐观心态，帮忙指出错误

Busy juggling careers and families,most couples don't take time to sit down,separately or together,and think about what they would like to do 5,10 or 20 years from now. they assume they are on the same page, but the reality is they have avoided even talking about it.
自己翻译:忙碌穷于应对生涯和家庭，很多夫妻不花费时间坐下，分开或聚在一起，然后思考未来的5年10年或20年他们想做什么，他们设想他们是在同一页，但是现实是他们已经避免甚至讨论它

If you are self-employed or in a job that doesn't have a standard retirement age,you may be more apt to delay thinking about these issues.It's often a forthcoming retirement date that provides the catalyst to start planning.Getting laid off or accepting an early-retiremint package can force you hand.But don't wait until you get a severance check to begin planning.自己翻译：如果你是为自己工作，或者你的工作没有标准的退休年龄，你可能不会那么早想这些问题，通常即将退休的时期提供了催化剂致使开始计划，得到下岗或收到提前退休打包会推动你的手，但是不要等到等你拿到遣散费才确定开始计划