Falling Short: The Coming Retirement Crisis and What to Do About It
Idioma: inglés
Editorial: Oxford University Press Inc, 2015
- Tapa dura
- Usado
Librería: World of Books Inc, Montgomery, IL, Estados Unidos de AmericaWorld of Books Inc
Vendedor de AbeBooks desde 23 de marzo de 2026
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EUR 5,61
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The 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.…
N° de ref. del artículo CIN0190218894VG
- Título
- Falling Short: The Coming Retirement Crisis and What to Do About It
- Autor
- Charles D Ellis
- Editorial
- Oxford University Press Inc
- Año de publicación
- 2015
- Estado
- Very Good
- Encuadernación
- Hardback
- Idioma
- inglés
- ISBN 10
- 0190218894
- ISBN 13
- 9780190218898
Falling Short is grounded in academic research yet written in an accessible style for anyone concerned about their future retirement. The authors provide both a vivid picture of the retirement risks facing all Americans and a short list of practical solutions that build on our existing retirement system. The book offers 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 authors give specific advice for what Americans must do now to avoid crisis in retirement; namely, people must work longer and save more. Individuals should plan to stay in the labor force until age 70 and keep their skills up-to-date, and the government should emphasize that retiring at 70 provides the largest monthly Social Security check. Social Security's long-term finances must be shored up so that it remains the foundation of the retirement system. All employers with a 401(k) plan should be required to automatically enroll their workers, increase worker contribution rates over time, and use low-cost index funds as a default investment option. A separate solution is needed for the half of the workforce that lacks even 401(k) coverage; all uncovered workers need an easy and automatic retirement saving option. Finally, individuals should not ignore what is often their largest asset---their house---as a potential source of support for retirement; home equity can be tapped through downsizing or a reverse mortgage. Acting on these solutions now will greatly improve the prospects of a secure retirement for today's workers.
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Acerca del autor
Alicia H. Munnell is the Peter F. Drucker Professor of Management Sciences at Boston College's Carroll School of Management. She also serves as the director of the Center for Retirement Research at Boston College. Before joining Boston College in 1997, Alicia Munnell was a member of the President's Council of Economic Advisers and assistant secretary of the Treasury for economic policy. Previously, she spent 20 years at the Federal Reserve Bank of Boston, where she became senior vice president and director of research in 1984. She has published widely on various economic issues, with a particular focus on retirement security.
Andrew Eschtruth is Associate Director for External Relations at the Center for Retirement Research at Boston College. He directs the Center's communication activities, including publications, press relations, and social media. Mr. Eschtruth also manages relationships with the government, foundation, and corporate communities. Previously, he was a senior analyst with the U.S. Government Accountability Office specializing in federal fiscal policy and social insurance programs. He also served on a temporary assignment as an aide to the chairman of the U.S. Senate Finance Committee.
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World of Books Inc
Montgomery, IL, Estados Unidos de America
Vendedor de AbeBooks desde 23 de marzo de 2026
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