A true retirement crisis is looming in the U.S., but politicians, obsessed with Social Security projections decades into the future, are disinclined to address it.
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I want you to imagine that you work at a lunch counter. On a typical day at lunchtime, there are a few dozen people milling about outside waiting for you to open the doors. Suppose you show up for work one day, and there are 12,000 people in line waiting for their lunch. You scramble to feed them all. The next day, those same 12,000 people arrive, but another 12,000 arrive with them. The third day, all 24,000 show up again, and another 12,000 are behind them. Imagine this pattern continues every day for 18 straight years. Welcome to the Retirement Revolution. The intersection of 79 million boomers retiring, longer life spans, rising health care costs, and troubled government and social programs will compromise the lifestyles of millions of Americans who believe a secure retirement is a birthright. Taking more personal responsibility for your retirement success is the only solution. Inside this book, you'll find the tools and the knowledge you need to succeed: Learn the 5 Key Risks everyone will face in retirement. Discover simple, common sense investment strategies any reader can master. Learn a RICHER Retirement Strategy with step by step tools you can use.
Those measures, however, aren't enough to fend off a coming crisis, Munnell argues. With savings and housing wealth below peak levels, workers are less prepared for retirement even as Social ...