退休生活是每个人都会面对的话题，而提到退休后的收入来源，很多人会混淆养老金和退休工资的概念。虽然两者都与退休有关，但它们有着本质的区别👇：

第一点：来源不同

pensions are typically funded by the government or social security systems, while retirement salaries usually come from an individual's accumulated savings or company-provided retirement plans. 💰

第二点：发放对象

Pension funds are generally available to all eligible citizens who meet certain conditions, such as age and work history. Retirement salaries, however, often depend on personal contributions or employer schemes. 👥

第三点：金额差异

The amount of pension is usually fixed and determined by national policies, whereas retirement salaries may vary based on investment performance or personal savings. 📈

总之，了解这两者的区别有助于我们更好地规划未来的生活保障。无论是养老金还是退休工资，提前做好准备都是迈向安心退休的关键一步！💪✨