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Author : Joshua Anderson
Publisher :
ISBN 13 :
Total Pages : 126 pages
Book Rating : 4.:/5 (982 download)
Download or read book Millennials and the Retirement Crisis written by Joshua Anderson and published by . This book was released on 2016 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Gregory Brandon Salsbury
Publisher :
ISBN 13 :
Total Pages : 164 pages
Book Rating : 4.E/5 ( download)
Download or read book But what If I Live? The American Retirement Crisis written by Gregory Brandon Salsbury and published by . This book was released on 2006 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is dramatic wake-up call for a generation of overspent and under-saved Americans who face the very real possibility of outliving their money. Yesterdays retirees were supported by guaranteed income sources. Today, baby boomers are looking at a very different picture, one where they are increasingly responsible for generating their retirement income from personal savings while facing a longer life expectancy and astounding leaps in expenses. Key Selling Points: explores the seven key challenges that stand between baby boomers and a successful retirement; helps baby boomers recognize and address the key challenges to retirement; guides baby boomers to better plan for the income they will need so they can achieve the retirement they deserve.
Author : Brett Goldstein
Publisher : Im Press, Incorporated
ISBN 13 : 9780982909119
Total Pages : 0 pages
Book Rating : 4.9/5 (91 download)
Download or read book The Retirement Crisis written by Brett Goldstein and published by Im Press, Incorporated. This book was released on 2011-09 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: For many, their retirement savings were obliterated by Wall Street's staggering decline combined with corporate greed, mismanaged retirement plans, and a broken retirement system. This perfect storm has left the next generation of retirees poised for financial chaos. Instead of living out one's golden years relaxing by the pool or traveling the globe, many will find retirement unattainable. For a growing number of Americans it will leave them living at or below the poverty line, barely able to afford basic living essentials. For this ever increasing number of Americans a retirement crisis doesn't just loom on the horizon, it has arrived, and brought with it disastrous implications. It begs the burning question of who wants to work their whole lives only to retire into poverty? Better still, it behooves us to understand how this happened and what we may still be able to do in order to resurrect our retirement plans.
Author : Jeff Helms
Publisher : iUniverse
ISBN 13 : 9780595459148
Total Pages : 188 pages
Book Rating : 4.4/5 (591 download)
Download or read book Generation R a Retirement Nation at Risk written by Jeff Helms and published by iUniverse. This book was released on 2008-08 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Author : Jeff Helms
Publisher : iUniverse
ISBN 13 : 0595902146
Total Pages : 190 pages
Book Rating : 4.5/5 (959 download)
Download or read book Generation R written by Jeff Helms and published by iUniverse. This book was released on 2008-10-29 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Author : Richard W. Johnson
Publisher :
ISBN 13 :
Total Pages : 69 pages
Book Rating : 4.:/5 (13 download)
Download or read book Retirement Prospects for the Millennials written by Richard W. Johnson and published by . This book was released on 2019 with total page 69 pages. Available in PDF, EPUB and Kindle. Book excerpt: Various policy developments and long-term economic, social, and demographic trends raise worrisome questions about the financial security of future retirees. An erosion in employer-sponsored defined benefit pension coverage and the increase in Social Security's full retirement age could shrink future benefits. Stagnating employment and earnings for men could threaten future retirement security, because retirement benefits and the capacity to save depend on lifetime earnings. The financial crisis, Great Recession, and collapse of the housing market in the second half of the previous decade could significantly disrupt retirement savings. This paper assesses retirement prospects for future generations, with a special focus on the late Generation-X and Millennial generations. Because retirement outcomes depend on how much people earned and saved when they were younger, the analysis compares trends in employment, earnings, pension coverage, and wealth during working ages across cohorts, using data from the Current Population Survey and the Survey of Consumer Finances. The analysis also projects age-70 incomes for future generations using DYNASIM4, the Urban Institute's dynamic microsimulation model.This paper found that:- Many recent trends threaten future retirement security, including continuing declines in men's employment before age 55, stagnating median earnings for men, and a sharp decline in median household wealth after 2007.- Other trends are more encouraging. Gen-X and Millennial women worked and earned more in their 20s and 30s than now-retired women did at those ages, and Millennial men and women are much more likely to have a four-year college degree than previous cohorts.- Projections show that median age-70 income will be higher for Gen-Xers and Millennials than previous generations as earnings grow over time.- However, a larger share of retired Gen-Xers and Millennials will be unable to replace at least three-quarters of their pre-retirement earnings, according to the projections, and will see their living standards decline when they retire. The policy implications of this paper are:- How employment, earnings, and savings patterns evolve over the next three decades will shape Millennials' retirement incomes. - Policy choices regarding retirement programs, especially strategies to address Social Security's long-term financing gap, will significantly affect the retirement security of future generations.
Author : Joseph C. Sternberg
Publisher :
ISBN 13 : 9781541730250
Total Pages : pages
Book Rating : 4.7/5 (32 download)
Download or read book The Theft of a Decade written by Joseph C. Sternberg and published by . This book was released on 2019 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Daniela Silcock
Publisher :
ISBN 13 : 9781906284893
Total Pages : pages
Book Rating : 4.2/5 (848 download)
Download or read book Generation Vexed written by Daniela Silcock and published by . This book was released on 2019 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : William Strauss
Publisher : Crown
ISBN 13 : 0767900464
Total Pages : 401 pages
Book Rating : 4.7/5 (679 download)
Download or read book The Fourth Turning written by William Strauss and published by Crown. This book was released on 1997-12-29 with total page 401 pages. Available in PDF, EPUB and Kindle. Book excerpt: NATIONAL BESTSELLER • Discover the game-changing theory of the cycles of history and what past generations can teach us about living through times of upheaval—with deep insights into the roles that Boomers, Generation X, and Millennials have to play—now with a new preface by Neil Howe. First comes a High, a period of confident expansion. Next comes an Awakening, a time of spiritual exploration and rebellion. Then comes an Unraveling, in which individualism triumphs over crumbling institutions. Last comes a Crisis—the Fourth Turning—when society passes through a great and perilous gate in history. William Strauss and Neil Howe will change the way you see the world—and your place in it. With blazing originality, The Fourth Turning illuminates the past, explains the present, and reimagines the future. Most remarkably, it offers an utterly persuasive prophecy about how America’s past will predict what comes next. Strauss and Howe base this vision on a provocative theory of American history. The authors look back five hundred years and uncover a distinct pattern: Modern history moves in cycles, each one lasting about the length of a long human life, each composed of four twenty-year eras—or “turnings”—that comprise history’s seasonal rhythm of growth, maturation, entropy, and rebirth. Illustrating this cycle through a brilliant analysis of the post–World War II period, The Fourth Turning offers bold predictions about how all of us can prepare, individually and collectively, for this rendezvous with destiny.
Author : William G. Gale
Publisher : Brookings Institution Press
ISBN 13 : 0815739354
Total Pages : 406 pages
Book Rating : 4.8/5 (157 download)
Download or read book Wealth After Work written by William G. Gale and published by Brookings Institution Press. This book was released on 2021-07-27 with total page 406 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pensions and retirement saving plans have helped millions of households build financial security. But tens of millions of people have been left behind, without access to these wealth accumulation vehicles. For many others, the plans they have do not ensure financial security in retirement. The problems that underlie these failures can be addressed. This book proposes concrete, practical ways to make dependable retirement income accessible for all Americans—not just those with means. Individual accounts have eclipsed traditional pensions as the primary vehicle for retirement saving in the United States—a shift that underlies many sources of retirement insecurity. The 401(k) plan and similar accounts have increased financial security for many people but have done nothing for millions more. Many of those who do have such plans are burdened with the need to make numerous saving, investment, and withdrawal decisions that stress their financial acumen. Financial advice that is unbiased, unconflicted, and affordable is often difficult to find. Managing wealth in retirement—especially the need to convert retirement savings into steady income—poses significant challenges that current financial instruments and practices do not adequately address. Economic downturns like the Great Recession and the COVID-19 pandemic increase financial insecurity and make addressing these issues more urgent. Written by noted experts in the field, Wealth After Work offers practical solutions that address these concerns. The proposals show how policymakers can help all Americans gain access to retirement savings accounts, obtain better information about their savings choices, and better manage their wealth in retirement. By proposing solutions that build on, rather than replace the existing system, the book provides a nuanced, practical guide to reform that would benefit all Americans.
Author : Douglas Boneparth
Publisher : Red Wheel/Weiser
ISBN 13 : 163265900X
Total Pages : 166 pages
Book Rating : 4.6/5 (326 download)
Download or read book The Millennial Money Fix written by Douglas Boneparth and published by Red Wheel/Weiser. This book was released on 2017-08-21 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: The world today comes with a list of challenges. Figuring out how to get your feet planted and get your finances on track should be easier, but we’re not always prepared with the best information despite the best education. Enter The Millennial Money Fix, a candid guide to understand how to handle your money with the obstacles of today. This book will get you through each step including: Identifying honest and realistic goals. Selecting and paying for a college or graduate program. Mastering cash flow to jumpstart your life. Navigating the job landscape to do what you love. Planning for marriage, babies, and all that gushy stuff. Redefining retirement as your ability to do what you want.
Author : Richard A. Marin
Publisher : John Wiley & Sons
ISBN 13 : 1118582365
Total Pages : 240 pages
Book Rating : 4.1/5 (185 download)
Download or read book Global Pension Crisis written by Richard A. Marin and published by John Wiley & Sons. This book was released on 2013-10-14 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: A comprehensive look at the crisis of unfunded pension liabilities and what must be done to avoid the same problem in the future As the generational bubble of the Baby Boomers begins to retire, it is increasingly evident that governments, corporations, and individuals have failed to adequately prepare for the obligations and needs of this giant cohort. Retirees are outliving actuarial life expectancies, pension liabilities are skyrocketing, pension plans are underfunded, and medical costs rise, the United States alone can expect unfunded liabilities to exceed $4 trillion. Even while the American economy shows signs of sustained recovery, states and local governments will still experience sharp increases in pension fund payments through the next year or longer. Global Pension Crisis looks at this situation and offers practical advice for retirement plan managers and financial advisors, while also explaining how to strengthen pensions and prevent similar crises in the future. Offers a clear and comprehensive explanation of the current pension crisis for retirement fund managers, financial advisors, and economists Includes prescriptive guidance on how to strengthen the pension fund system and prevent another similar crisis Written by venture capitalist, entrepreneur, and former senior Wall Street executive Rich Marin
Author : Chris Hogan
Publisher :
ISBN 13 : 9781942121275
Total Pages : 116 pages
Book Rating : 4.1/5 (212 download)
Download or read book The National Study of Millionaires written by Chris Hogan and published by . This book was released on 2020-04-28 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: Think you can't become a millionaire? Think again! In 2018, Ramsey Solutions conducted the largest research study of millionaires ever, with over 10,000 millionaires interviewed. What we discovered about how these men and women built their wealth will surprise you. Chris Hogan shares the 10 biggest myths the study revealed in his national bestselling book Everyday Millionaires. But if charts and graphs are your thing, this Ramsey Quick Read will give you all the scientific data behind the millionaire mindset. This 116-page brief walks you through the research study, including: research methodology demographics family background behaviors, characteristics and mindset societal beliefs and more Dive into the data firsthand to see how millionaires build their wealth--and how you can too.
Author : Jill Filipovic
Publisher : Simon and Schuster
ISBN 13 : 1982153776
Total Pages : 336 pages
Book Rating : 4.9/5 (821 download)
Download or read book OK Boomer, Let's Talk written by Jill Filipovic and published by Simon and Schuster. This book was released on 2020-08-11 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: “Particularly relevant in an election year...This book is full of data—on the economy, technology, and more—that will help millennials articulate their generational rage and help boomers understand where they’re coming from.” —The Washington Post “Jill Filipovic cuts through the noise with characteristic clarity and nuance. Behind the meme is a thoughtfully reported book that greatly contributes to our understanding of generational change.” —Irin Carmon, coauthor of the New York Times bestseller Notorious RBG Baby Boomers are the most prosperous generation in American history, but their kids are screwed. In this eye-opening book, journalist Jill Filipovic breaks down the massive problems facing Millennials including climate, money, housing, and healthcare. In Ok Boomer, Let’s Talk, journalist (and Millenial) Jill Filipovic tells the definitive story of her generation. Talking to gig workers, economists, policy makers, and dozens of struggling Millennials drowning in debt on a planet quite literally in flames, Filipovic paints a shocking and nuanced portrait of a generation being left behind: -Millennials are the most educated generation in American history—and also the most broke. -Millennials hold just 3 percent of American wealth. When they were the same age, Boomers held 21 percent. -The average older Millennial has $15,000 in student loan debt. The average Boomer at the same age? Just $2,300 in today’s dollars. -Millennials are paying almost 40 percent more for their first homes than Boomers did. -American families spend twice as much on healthcare now than they did when Boomers were young parents. Filipovic shows that Millennials are not the avocado-toast-eating snowflakes of Boomer outrage fantasies. But they are the first American generation that will do worse than their parents. “OK, Boomer” isn’t just a sarcastic dismissal—it’s a recognition that Millennials are in crisis, and that Boomer voters, bankers, and policy makers are responsible. Filipovic goes beyond the meme, upending dated assumptions with revelatory data and revealing portraits of young people delaying adulthood to pay down debt, obsessed with “wellness” because they can’t afford real healthcare, and struggling to #hustle in the precarious gig economy. Ok Boomer, Let’s Talk is at once an explainer and an extended olive branch that will finally allow these two generations to truly understand each other.
Author : Patrick O'Shaughnessy
Publisher : Macmillan
ISBN 13 : 1137279257
Total Pages : 225 pages
Book Rating : 4.1/5 (372 download)
Download or read book Millennial Money written by Patrick O'Shaughnessy and published by Macmillan. This book was released on 2014-10-14 with total page 225 pages. Available in PDF, EPUB and Kindle. Book excerpt: A motivating book to inspire Millennials to invest now for their future
Author : Anne Helen Petersen
Publisher : Mariner Books
ISBN 13 : 0358561841
Total Pages : 321 pages
Book Rating : 4.3/5 (585 download)
Download or read book Can't Even written by Anne Helen Petersen and published by Mariner Books. This book was released on 2021-05-04 with total page 321 pages. Available in PDF, EPUB and Kindle. Book excerpt: An incendiary examination of burnout in millennials--the cultural shifts that got us here, the pressures that sustain it, and the need for drastic change
Author : Cindy Couyoumjian
Publisher : Greenleaf Book Group
ISBN 13 :
Total Pages : 257 pages
Book Rating : 4.8/5 (864 download)
Download or read book The Silent Retirement Crisis written by Cindy Couyoumjian and published by Greenleaf Book Group. This book was released on 2023-10-31 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement does not have to be stressful and scary. With proper planning, Americans can not only retire comfortably: They can also prosper. Cindy Couyoumjian’s third book explores the silent retirement crisis that will impact millions of Americans. She uses the term silent to convey the idea that the majority of those who are about to retire, or are in retirement, share a common and unspoken fear—running out of money. Couyoumjian asserts that the anxiety people have about their retirement is not a misdirected emotion. We are led to believe that the fear (silent as it is) is due to our lack of financial literacy or not having a financial plan in place. While some of this is true, it’s not totally our fault: Her book addresses the big-picture, systemic problems that conspire against average Americans while favoring the wealthy few. The first third of the book explores how broken capitalism has contributed to our broken retirement system. The second third offers us a new way of thinking and investing, underscoring how university endowments have achieved extraordinary return by using a multi-asset class investment approach. Part III offers meaningful solutions to the retirement crisis. The author introduces us to her flexible and customizable REALM model designed to potentially protect clients from sudden market losses. Also included is other valuable information such as estate planning, tax strategies, 401(k) rollover options, life insurance, and long-term care initiatives. Couyoumjian shows us that retirement planning isn’t just savings and investing. With an umbrella of other planning items, we can take action to make the difference between an anxious retirement defined by uncertainty and a comfortable one, grounded in prosperity. Founder of Cinergy Financial, Cindy Couyoumjian believes financial literacy is a moral imperative and has dedicated her professional life to helping people understand the constantly evolving financial and economic landscape. With 37 years of industry experience, she is a leader in the financial industry, managing over $200,000,000 in assets. She is the author of two previous best-selling books, Redefining Financial Literacy, (2021) and The Rise of Women and Wealth (2022). She has appeared on NBC, CBS, FOX 40, talk radio AM870 and 790 KABC, and was a brand contributor to Forbes in 2020. Her dedication and commitment to empower with facts, not fear, are unwavering as she continues to educate and guide her clients toward their individualized financial goals and objectives.
