Preparing for Retirement--crisis Or Challenge?
Author: United States. Congress. House. Select Committee on Aging. Subcommittee on Retirement Income and Employment
Publisher:
Published: 1978
Total Pages: 215
ISBN-13:
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Author: United States. Congress. House. Select Committee on Aging. Subcommittee on Retirement Income and Employment
Publisher:
Published: 1978
Total Pages: 215
ISBN-13:
DOWNLOAD EBOOKAuthor: United States. Congress. House. Select Committee on Aging. Subcommittee on Retirement Income and Employment
Publisher:
Published: 1978
Total Pages: 230
ISBN-13:
DOWNLOAD EBOOKAuthor: United States. Congress. House. Select Committee on Aging. Subcommittee on Retirement Income and Employment
Publisher:
Published: 1978
Total Pages: 236
ISBN-13:
DOWNLOAD EBOOKAuthor: Charles D. Ellis
Publisher: Oxford University Press
Published: 2014-12-01
Total Pages: 169
ISBN-13: 0190218916
DOWNLOAD EBOOKThe United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their standard of living in retirement. Solving the problem is a major challenge in today's environment in which risk and responsibility have shifted from government and employers to individuals. For this reason, Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth have written this concise guide for anyone concerned about their own - and the nation's - retirement security. Falling Short is grounded in sound research yet written in a highly accessible style. The authors provide a vivid picture of the retirement crisis in America. They offer the necessary context for understanding the nature and size of the retirement income shortfall, which is caused by both increasing income needs-due to longer lifespans and rising health costs-and decreasing support from Social Security and employer-sponsored pension plans. The solutions are to work longer and save more by building on the existing retirement system. To work longer, individuals should plan to stay in the labor force until age 70 if possible. To save more, policymakers should shore up Social Security's long-term finances; make all 401(k) plans fully automatic, with workers allowed to opt out; and ensure that everyone has access to a retirement savings plan. Individuals should also recognize that their house is a source of saving, which they can tap in retirement through downsizing or a reverse mortgage.
Author: United States. Congress. House. Select Committee on Aging. Subcommittee on Retirement Income and Employment
Publisher:
Published: 1978
Total Pages: 0
ISBN-13:
DOWNLOAD EBOOKAuthor: United States. Congress. House. Select Committee on Aging
Publisher:
Published: 1978
Total Pages: 99
ISBN-13:
DOWNLOAD EBOOKAuthor:
Publisher:
Published: 1978
Total Pages:
ISBN-13:
DOWNLOAD EBOOKAuthor: Jacob S. Hacker
Publisher:
Published: 2011
Total Pages: 0
ISBN-13:
DOWNLOAD EBOOKThe recent economic downturn has cast in stark relief the uncertainties associated with retirement and health care for older Americans. Yet, before the downturn even began, the economic landscape was already shifting in ways that concentrated more risk and responsibility on Americans planning for retirement and health care in old age. In this article, Professor Hacker addresses the current risks faced by aging Americans, moving from the historical retirement framework of the "three legged stool" -- Social Security, private pensions, and personal savings -- to the current reality where pensions are few and far between. In doing so, he pays particular attention to special issues faced by working- and middle-class Americans. Additionally, drawing upon his knowledge of the health care system, Professor Hacker delves into the increasingly important role health care costs play in retirement planning, and how retirement planning should take into account potential future health care costs. Finally, he suggests a series of changes to restore retirement security by alleviating the problems produced by the disappeareance of private pension plans and increases in health care costs.
Author: National Research Council
Publisher: National Academies Press
Published: 2013-01-10
Total Pages: 230
ISBN-13: 0309261961
DOWNLOAD EBOOKThe United States is in the midst of a major demographic shift. In the coming decades, people aged 65 and over will make up an increasingly large percentage of the population: The ratio of people aged 65+ to people aged 20-64 will rise by 80%. This shift is happening for two reasons: people are living longer, and many couples are choosing to have fewer children and to have those children somewhat later in life. The resulting demographic shift will present the nation with economic challenges, both to absorb the costs and to leverage the benefits of an aging population. Aging and the Macroeconomy: Long-Term Implications of an Older Population presents the fundamental factors driving the aging of the U.S. population, as well as its societal implications and likely long-term macroeconomic effects in a global context. The report finds that, while population aging does not pose an insurmountable challenge to the nation, it is imperative that sensible policies are implemented soon to allow companies and households to respond. It offers four practical approaches for preparing resources to support the future consumption of households and for adapting to the new economic landscape.
Author: Fritz Gilbert
Publisher: Sourcebooks, Inc.
Published: 2020-05-05
Total Pages: 155
ISBN-13: 1646113403
DOWNLOAD EBOOKYou're finally retired! Learn how to make these the best years of your life. Congrats on your retirement! But now what will you do with all that free time? With Keys to a Successful Retirement, you'll discover everything you need to know to get your retired years off to a great start. Covering topics like finances, embracing your passions, and dealing with feelings of aimlessness, grief, and depression that may crop up, this in-depth guide to retired living answers all the burning questions you want to ask—as well as those you're afraid to. Take a complete look at your newfound freedom and explore what it really means to have a successful retirement. This in-depth guide includes: Essential basics—Make sure you're retirement ready with advice for managing your savings, dealing with healthcare, staying fit, and more. Handling tough times—Dig into the more challenging aspects of retirement, like how to best handle the effects it can have on your mental health. Be your own boss—Get guidance that teaches you how to decide what you want your retirement to be and how you can lean into the things that you love. An exciting new chapter of your life is starting—get a helping hand ensuring it's the best it can be!