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总结
特斯拉与X掌门人埃隆·马斯克近日表示，随着人工智能推动生产力跃升并带来“普遍富足”，20年后为退休储蓄可能变得无关紧要。美国媒体Business Insider围绕这一说法采访了7位个人理财与AI领域人士。多数观点认为，技术进步不必然自动转化为人人可得的财富与养老保障，收入分配、通胀、就业结构变化与制度设计仍是关键变量；在路径与时间表缺乏可验证依据的情况下，普通人仍应持续储蓄、控制负债并做好长期资产配置。也有受访者指出，若未来出现全民基本收入等政策，个人理财目标可能需调整，但贸然停止储蓄将提高晚年财务风险。
正文
Elon Musk says retirement savings 'won't matter' in 20 years. We asked 7 personal finance and AI gurus what they think. Business Insider Elon Musk says saving for retirement is irrelevant because AI is going to create a world of abundance: 'It won't matter' Yahoo Finance This is why Elon Musk thinks you shouldn't save for retirement Fast Company Musk says AI will lead to universal abundance and saving for retirement will be irrelevant Seeking Alpha Should you take Elon Musk's advice not to save for retirement? RNZ
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