求问consumption disruption 在中文翻译过来是什么意思呐，


context是这样的：
If the target is set too high, the household will betold to oversave and overinsure and will end up with a lower living standardprior to retirement and in survivor states. If the target is set too low, thehousehold will be told to undersave and underinsure and will end up with ahigher living standard prior to retirement and a lower one after retirement andin survivor states. Both types of targeting mistakes will lead to consumptiondisruption rather than consumption smoothing.