Podcast appearances and mentions of Teresa Ghilarducci

Unlike most rich countries or advanced economies the US does not define healthcare, including long term care, as a universal social risk – despite the fact we all get sick, no one knows their health status tomorrow, approximately 85% of Medicare beneficiaries have at least one chronic condition and life expectancy at birth is approximately 79 years. Medicare does not provide long term care, Social Security replaces just 43% of the average workers' wages and only approximately 40% of retirees receive income from some form of employer or personal retirement plan. With me to discuss Prof. Ghilarducci's book is her colleague Ms. Jessica Forden an economics Ph.D. candidate at the New School's Schwartz Center for Economic Policy Analysis. Information on Prof. Teresa Ghilarducci's book is at: https://press.uchicago.edu/ucp/books/book/chicago/W/bo212888995.html. The New School's Schwartz Center for Economic Policy (SCEPA) research publications are at: https://www.economicpolicyresearch.org/research.Jessica Forden's LinkedIn page is at: https://www.linkedin.com/in/jessica-forden-88b265131/. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.thehealthcarepolicypodcast.com

What's the best financial advice you've ever received? Not the trendiest tip or the hottest stock pick; what's the wisdom that actually holds up over a lifetime? That's exactly the question Diane Harris, Deputy Editor of Kiplinger, put to 35 of the most trusted voices in personal finance…and the answers are as practical as they are profound. In this episode, you'll learn: Why "spend less than you make" is still the foundation of everything, and what Jean says happens when you don't Peter Lynch's "elevator pitch" test for any stock you own (and why most people fail it) Teresa Ghilarducci's one-date-a-year rule for protecting yourself from panic-selling Why Christine Benz says paying off your mortgage early makes sense, even if the math says otherwise Diane's number one personal finance tip she learned from taking care of her mother Learn more about your ad choices. Visit megaphone.fm/adchoices

If Congress doesn't act, social security will be drained in 8 years. Teresa Ghilarducci is professor of economics and policy analysis at the New School for Social Research, and she serves as the director of the Schwartz Center for Economic Policy Analysis and the New School's Retirement Equity Lab (ReLab). She joins host Krys Boyd to discuss what's happening with the social security funds so many Americans rely on, why that monthly money is still not enough to lift people out of poverty, and simple solutions Congress could take to protect the popular social safety net program.  Learn about your ad choices: dovetail.prx.org/ad-choices

How do we prepare for a world where one in four Americans is 65 or older? The numbers are clear: demographic shifts will place immense strain on traditional retirement planning systems, making the need for sustainable solutions more urgent than ever. Sachin Shah, CEO of Brookfield Wealth Solutions, and Teresa Ghilarducci, professor of economics at the New School for Social Research in New York, take a deep dive into the structural challenges of retirement—and how guaranteed income for life can help people of any age secure their futures.Read disclaimers (https://www.brookfield.com/brookfield-perspectives-podcast-disclaimer) for this episode.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featuredThe New York Times says your 401(k) was a mistake. That's rich.This week's hit piece on retirement savings blames the 401(k) for leaving people “out in the cold”—but conveniently forgets math, personal responsibility, and life expectancy.In this episode:The dangerous revival of government-run retirement schemes (hello, Teresa Ghilarducci).The fantasy of going back to the “good old days” of pensions… when life expectancy was 62.And why you can't promise lifetime income with fake math and fading Social Security.Want retirement security? You need real savings, real returns, and real reform—not another “guaranteed” government boondoggle. www.watchdogonwallstreet.com

ISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featuredThe New York Times says your 401(k) was a mistake. That's rich.This week's hit piece on retirement savings blames the 401(k) for leaving people “out in the cold”—but conveniently forgets math, personal responsibility, and life expectancy.In this episode:The dangerous revival of government-run retirement schemes (hello, Teresa Ghilarducci).The fantasy of going back to the “good old days” of pensions… when life expectancy was 62.And why you can't promise lifetime income with fake math and fading Social Security.Want retirement security? You need real savings, real returns, and real reform—not another “guaranteed” government boondoggle. 

What do today's tax policies really mean for the future of Social Security and retirement? Economist Teresa Ghilarducci joins Josh to break down a wave of new proposals, including the Trump-backed MAGA accounts and tax cuts on tips and Social Security income. Together, they dig into what these changes signal for long-term economic stability, especially for working families and retirees. The two cover the unraveling crisis in long-term care, the decline of sustainable retirement plans, and how Medicaid struggles to fill the gaps. Teresa shares her perspective on the shift away from defined benefit pensions, the rise of 401ks, and why America's aging population demands a new approach to policy. Can't get enough of The Financial Quarterback? Click ‘Subscribe' so you never miss a play. If you're enjoying the show, leave a 5-star rating and drop a review—it helps keep the game going. For more on Teresa's work, visit her faculty page at The New School and explore her research at the Schwartz Center for Economic Policy Analysis.

New School economic professor Teresa Ghilarducci offered her thoughts on how to make retirement in the U.S. attainable for more Americans. She was interviewed by Washington Post economics correspondent Abha Bhattarai. Learn more about your ad choices. Visit megaphone.fm/adchoices

New School economic professor Teresa Ghilarducci offered her thoughts on how to make retirement in the U.S. attainable for more Americans. She was interviewed by Washington Post economics correspondent Abha Bhattarai. Learn more about your ad choices. Visit megaphone.fm/adchoices

For years experts have warned about a looming crisis facing the Social Security system. According to current estimates, the program will become insolvent by 2034, at which time benefits would be automatically cut.  During the campaign, President-elect Trump positioned himself as an advocate of the program, which remains highly popular among voters. But economist Teresa Ghilarducci says that if you dig into his proposals, a different picture emerges. A recent analysis shows his policies would move up the date of insolvency from 11 years to 9 years. “It's kind of a shocker,” she says. “He's very bold in his policies.”Teresa Ghilarducci is a professor of economics at The New School and author of the new book "Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy.” She joins Diane to explain the urgency of addressing Social Security's finances and why Trump's proposals would make the situation worse.

Pension expert Teresa Ghilarducci returns to the Heartland Labor Forum this week to explain how some corporations are selling off workers' pension plans and putting them at risk. Find out […] The post Teresa Ghilarducci: Is Your Employer Selling Off Your Pension? and HELU, Higher Education Labor United appeared first on KKFI.

Pension expert Teresa Ghilarducci returns to the Heartland Labor Forum this week to explain how some corporations are selling off workers' pension plans and putting them at risk. Find out […] The post Teresa Ghilarducci: Is Your Employer Selling Off Your Pension? and HELU, Higher Education Labor United appeared first on KKFI.

In this episode, host A.B. Ridgeway discusses a common misconception about retirement: the idea that if you haven't saved enough, you can simply work longer. Featuring insights from economist Teresa Ghilarducci, A.B. Ridgeway challenges this notion and breaks down the harsh realities that many retirees face when trying to extend their working years. From the uneven distribution of longevity gains to the fallacy that all Americans can continue working well into their older years, this episode tackles one of the most critical financial issues today.Key Takeaways:Working longer isn't always an option: Many people assume they can just continue working if they haven't saved enough for retirement, but job loss, health issues, or caregiving responsibilities often prevent this.The wealthy live longer: Longevity gains are primarily enjoyed by wealthier individuals who have the resources to invest in their health, leaving the less wealthy with fewer options and more health-related retirement challenges.401k and savings systems need improvement: Although tools like the 401k have been available for decades, many Americans still don't save enough for retirement. A bold reform in retirement savings plans may be necessary to secure future financial stability.Top 3 Quotes:"Not everybody is living longer. The longevity gains over the past 40 years have mainly gone to the wealthiest Americans.""Half the people who are retired say that they didn't retire—they were retired. They were pushed out of their jobs due to layoffs, health issues, or caregiving responsibilities.""The 401k system just doesn't cut it. After 40 years, only half of the workforce is participating in a 401k plan at any one point in time."Tune in to this episode for a deeper understanding of why working longer might not be the safety net many believe it to be, and how you can better prepare for retirement.

In this episode, host A.B. Ridgeway discusses a common misconception about retirement: the idea that if you haven't saved enough, you can simply work longer. Featuring insights from economist Teresa Ghilarducci, A.B. Ridgeway challenges this notion and breaks down the harsh realities that many retirees face when trying to extend their working years. From the uneven distribution of longevity gains to the fallacy that all Americans can continue working well into their older years, this episode tackles one of the most critical financial issues today.Key Takeaways:Working longer isn't always an option: Many people assume they can just continue working if they haven't saved enough for retirement, but job loss, health issues, or caregiving responsibilities often prevent this.The wealthy live longer: Longevity gains are primarily enjoyed by wealthier individuals who have the resources to invest in their health, leaving the less wealthy with fewer options and more health-related retirement challenges.401k and savings systems need improvement: Although tools like the 401k have been available for decades, many Americans still don't save enough for retirement. A bold reform in retirement savings plans may be necessary to secure future financial stability.Top 3 Quotes:"Not everybody is living longer. The longevity gains over the past 40 years have mainly gone to the wealthiest Americans.""Half the people who are retired say that they didn't retire—they were retired. They were pushed out of their jobs due to layoffs, health issues, or caregiving responsibilities.""The 401k system just doesn't cut it. After 40 years, only half of the workforce is participating in a 401k plan at any one point in time."Tune in to this episode for a deeper understanding of why working longer might not be the safety net many believe it to be, and how you can better prepare for retirement.

On week's special Money Talks, Teresa Ghilarducci, author of Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy joins Felix Salmon to discuss all things retirement. They dig into what other countries are getting right (and wrong) about retirement, how the 401k failed, Teresa's ultimate plan to fix retirement, and more. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work.Podcast production by Jared Downing and Cheyna Roth. Hosted on Acast. See acast.com/privacy for more information.

On week's special Money Talks, Teresa Ghilarducci, author of Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy joins Felix Salmon to discuss all things retirement. They dig into what other countries are getting right (and wrong) about retirement, how the 401k failed, Teresa's ultimate plan to fix retirement, and more. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work.Podcast production by Jared Downing and Cheyna Roth. Hosted on Acast. See acast.com/privacy for more information.

On week's special Money Talks, Teresa Ghilarducci, author of Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy joins Felix Salmon to discuss all things retirement. They dig into what other countries are getting right (and wrong) about retirement, how the 401k failed, Teresa's ultimate plan to fix retirement, and more.  If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work. Podcast production by Jared Downing and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

On week's special Money Talks, Teresa Ghilarducci, author of Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy joins Felix Salmon to discuss all things retirement. They dig into what other countries are getting right (and wrong) about retirement, how the 401k failed, Teresa's ultimate plan to fix retirement, and more. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work.Podcast production by Jared Downing and Cheyna Roth. Hosted on Acast. See acast.com/privacy for more information.

On week's special Money Talks, Teresa Ghilarducci, author of Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy joins Felix Salmon to discuss all things retirement. They dig into what other countries are getting right (and wrong) about retirement, how the 401k failed, Teresa's ultimate plan to fix retirement, and more.  If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work. Podcast production by Jared Downing and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

On week's special Money Talks, Teresa Ghilarducci, author of Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy joins Felix Salmon to discuss all things retirement. They dig into what other countries are getting right (and wrong) about retirement, how the 401k failed, Teresa's ultimate plan to fix retirement, and more.  If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work. Podcast production by Jared Downing and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

40 years ago, the US changed its approach to retirement. But those changes shifted the risk from the government and corporations to individuals. And now, nearly half of middle-class retirees will be downwardly mobile into poverty or near-poverty in their golden years. So, what can we do to solve the retirement crisis in America?Teresa Ghilarducci is the nationally recognized labor economist behind the new book, Work, Retire, Repeat. After an illustrious 25-year tenure at Notre Dame, Teresa joined the New School for Social Research in 2008. She has spent her career advocating pension reform.On this episode of Queer Money, Teresa joins us to discuss what's behind the retirement crisis in the US and explore what we can do to secure a dignified retirement for all.Teresa explains why raising the retirement age isn't the answer, exploring how the current system creates more inequality and harms low-wage older workers.Listen in for insight on how life cycle disparities affect LGBTQ individuals and learn how Teresa's Gray New Deal will help solve the retirement crisis in America.Topics Covered What's behind the retirement crisis in America and its political implicationsThe risks associated with a pension-only retirement program 4 levers we can pull as voters, consumers, investors and workers to secure a dignified retirementWhy raising the retirement age shouldn't be the sole solution to the retirement crisisWhy academics and politicians are arbiters of the ‘work-longer consensus'How changes to the retirement system create more inequality and harm low-wage older workersHow life cycle disparities impact LGBTQ individuals and other marginalized communities2 key tenets of Teresa's Gray New Deal and how it would help Americans in retirementHow economic security is even more important than equalityWhat listeners can do to support the adoption of Teresa's Gray New DealFor the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe Follow us:Queer Money Instagram Queer Money YouTubeQueer Money on TiktokDownload your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

When we study capitalism, we usually focus on the active time in people's lives: the moments where things like work, consumption, production, trade, accumulation, and exchange all happen. But Teresa Ghilarducci, the guest on this week's episode, argues that capitalism also shapes what happens next, in that period after people's working lives have come to an end. Teresa's new book, Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy tells the story of how retirement—just like work—has become much more precarious over the past several decades. It's a story about politics, about demographics, about economics. How we pay for retirement, she reveals, tells us a lot about what we value in our society, and how that's changed over time. And along the way, she offers us a few policy proposals that just might remedy the way we handle retirement today.

Teresa Ghilarducci knows retirement. A labor economist and professor at the New School for Social Research in New York, she's long studied the shortcomings of how the US handles preparing for citizens' old age.Much of the financial industry is devoted to running retirement funds—$25 trillion in traditional pensions, 401(k)-style plans and annuities and $13 trillion in individual retirement accounts. But Ghilarducci says tens of millions of workers aren't getting the help they need to save. It's a problem worrying some on Wall Street, too: Larry Fink, chief executive officer of BlackRock Inc., the world's largest asset manager, devoted his latest annual chairman's letter to the need to shore up retirement savings.See omnystudio.com/listener for privacy information.

Join Tom Wheelwright as he discovers the current state of our retirement crisis with economist expert and author, Teresa Ghilarducci. As a labor economist, Teresa Ghilarducci has spent her career working to ensure retirement security for all American workers. At The New School for Social Research, she directs the Schwartz Center for Economic Policy Analysis (SCEPA), which focuses on economic policy research and outreach. Ghilarducci frequently testifies before the U.S. Congress and serves as a media source to popular and online news outlets about pensions, labor economics, and older workers. Ghilarducci frequently publishes in economics journals and edited volumes and has authored several books. In this episode, learn about Teresa's Gray New Deal, how to prepare for our retirement, and what entreprenuers can do to improve the lives of their employees. Order Tom's book, “The Win-Win Wealth Strategy: 7 Investments the Government Will Pay You to Make” at: https://winwinwealthstrategy.com********************************** Resources ********************************** Tom's Book: Tax-Free Wealth https://taxfreewealthbook.com Visit WealthAbility® https://wealthability.com/ Sign up for Tom's Free Weekly Report https://wealthability.com/getreport/ Schedule A Call With My Team https://wealthability.com/schedulecall/ *********************************** Social Media *********************************** Facebook (Tom Wheelwright) https://www.facebook.com/Tom.Wheelwright.CPA/ Facebook (WealthAbility®) https://www.facebook.com/4wealthability/ Twitter (WealthAbility®) https://twitter.com/WealthAbility Instagram (WealthAbility®) https://www.instagram.com/wealthability_now/ Youtube (Tom Wheelwright) https://www.youtube.com/@TomWheelwrightCPA Looking for more on Teresa Ghilarducci? Website: https://teresaghilarducci.org/ Books: "Work, Retire, Repeat" ; "Rescuing Retirement" ; "How to Retire With Enough Money and How to Know What Enough Is" Facebook: https://www.facebook.com/SCEPA X / Twitter: https://x.com/tghilarducci Blog: https://teresaghilarducci.org/blog Email: ghilardt@newschool.edu DISCLAIMER: WealthAbility® does not provide tax, legal or accounting advice. The materials provided have been prepared for informational purposes only, and are not intended to provide tax, legal or accounting advice. The materials may or may not reflect the most current legislative or regulatory requirements or the requirements of specific industries or of states. These materials are not tax advice and are not intended or written to be used, and cannot be used, for purposes of avoiding tax penalties that may be imposed on any taxpayer. Readers should consult their own tax, legal and accounting advisors before applying the laws to their particular situations or engaging in any transaction.

Happy Monday! Sam & Emma host Teresa Ghilarducci, director of the Schwartz Center for Economic Policy Analysis (SCEPA) at The New School, to discuss her recent book Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy. First, Sam and Emma run through updates on the State Department's Leahy Law report, the contradictory evacuation orders coming out of Gaza, internal dissent in the Biden Administration, Trump-Biden polling, Trump's legal woes, Katie Britt, labor action, and Nancy Mace, also diving into the Biden Administration's changing position on Israel's war. Teresa Ghilarducci then joins, diving right into the recent report on Social Security trust's longevity, and unpacking the myths of the US' supposed “retirement crisis,” before exploring why the incredible low-end wage growth and robust employment of the post-2020 US economy has proven to be the best formula for funding any retirement system. Next, Ghilarducci steps back as she, Sam, and Emma walk through the primary issue facing Social Security's funding: the $168k income cap. Teresa parses through how this cap cuts off vast quantities of income in the US from the reaches of Social Security, with folks like Elon Musk covering their yearly payment before January 1st is half over, the additional source of income of capital gains revenue that remains untouched by Social Security, and the minimal impact that eliminating either of these restrictions would have on economic activity. After an extensive conversation on the shift in US retirement from defined benefit plans to defined contribution plans, how that change shifted the risk on the shoulders of the employees, and why employers have such a drastically better capacity to handle said risk, Ghilarducci tackles the false narrative around the state of retirement age and labor in the US, and wraps up with the central elements of her “Grey New Deal” plan to reaffirm the value of the US labor force. And in the Fun Half: Sam and Emma discuss the gaping Candace Owens-sized hole in the Daily Wire's newest production, Lindsay Graham discusses nuking Gaza, and watch a Zionist Joe Scarborough get put in his place by his father-in-law over the Oslo Accords. They also watch Kowalski from Nebraska discuss his Senate campaign live on KETV, tackle Trump's return to his roots (lying about his crowd size), and listen to Tim Pool discuss the negatives (calls the Bible antisemitic) and positives (calls the Quran antisemitic) of the US' new Antisemitism bill, plus, your calls and IMs! 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This weekend we're sharing a snippet of our recent chat with professor, labor economist and author Teresa Ghilarducci, who joined us to chat about her latest book, Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy. Want more of Jill and Teresa? Subscribe to Jill on Money LIVE to watch the full chat. Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

This weekend we're sharing a snippet of our recent chat with professor, labor economist and author Teresa Ghilarducci, who joined us to chat about her latest book, Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy. Want more of Jill and Teresa? Subscribe to Jill on Money LIVE to watch the full chat. Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Doesn't everyone deserve a dignified retirement? Rather than fixing our retirement system, working longer is often seen as the solution to finance retirement. But for people with physically demanding jobs or people grappling with health issues or disabilities, working longer is not an option. Teresa Ghilarducci joins us to discuss her new book  Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy  and her proposal for a Gray New Deal to fix the retirement system in the US. Teresa Ghilarducci joins us from New York. _________________________ Bio Teresa Ghilarducci is the author of the new book Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy. A labor economist and nationally-recognized expert in retirement security, she is the Bernard L. and Irene Schwartz professor of economics at The New School for Social Research and the Director of the Schwartz Center for Economic Policy Analysis and The New School's Retirement Equity Lab. As a labor economist, she has spent her career working to ensure retirement security for all American workers. She joined The New School for Social Research as a professor of economics in 2008 after teaching at Notre Dame for 25 years. She frequently testifies before the U.S. Congress and serves as a media source to popular and online news outlets about pensions, labor economics, and older workers. She also frequently publishes in economics journals and edited volumes and has authored several books, including How to Retire with Enough Money: And How to Know What Enough Is and Rescuing Retirement, co-authored with “Tony” James, who was Executive Vice Chairman of The Blackstone Group at the time and co-authored  In an unusual partnership, they outlined their bold policy vision to create Guaranteed Retirement Accounts (GRAs) for all American workers. ____________________________ For More on Teresa Ghilarducci Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy How to Retire with Enough Money: And How to Know What Enough Is Rescuing Retirement: A Plan to Guarantee Retirement Security for All Americans ____________________________ Podcast Episodes You May Like Are You Ready for The New Long Life? – Andrew Scott When Will You Flip the Switch? – Dr. Barbara O'Neill Why Retirement is About Much More Than Money – Ted Kaufman & Bruce Hiland ____________________________ Wise Quotes On the Pyramid of Retirement Security "Well, me and everyone else in this field knows that the building box of a good retirement looks like not pillars, but is a pyramid. There's a base and then there's a middle part, and then there's a tippy top part. I think of it as the food pyramid with the base as your fruits, your vegetables and your grains. That's a foundation and that's Social Security and that it doesn't provide all of your retirement income needs, for sure. But it's certainly a foundation. It's a foundation of security because retirement is for the lucky ones. A lot of people have missteps along the way that they have to take care of somebody and drop out of the labor force. So your family needs to be secured for that. So a spousal benefit is there, or you may be disabled, of course. And in fact, a huge percentage of people can't do their jobs mentally and physically starting around 50. And so official disability may not be in the offering, but kind of a partial disability is something that we all are at risk of having to manage. And so Social Security has to take into account the insurance system, a couple of missed quarters. We need social insurance against wild recessions where you might miss hours and work. And so you need that foundation." On Defined Contribution Plans vs. Pensions   "And I think an unintended consequence of our do it yourself experiment we've had for 40 years in our country, there's no such thing as elders. You're supposed to stay young forever.

The dream to retire and live comfortably at age 65 is becoming more of a fantasy to millions of Americans. Teresa Ghilarducci is professor of economics and policy analysis at the New School for Social Research in New York City where she serves as the director of the Schwartz Center for Economic Policy Analysis and the New School's Retirement Equity Lab (ReLab). She joins host Krys Boyd to discuss why our golden years only look rosy for the wealthiest among us, why social security can't keep up —  even if we work longer — and why going back to work is the only option for so many. Her book is “Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy.”

The issue of the future of Social Security, on which millions of Americans depend, produced great political theater at the State of the Union address. That highlighted a bigger problem of financing retirement as baby boomers seek to retire, often with limited resources. Many argue that the solution to the problem is for people to work longer.  In Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy (U Chicago Press, 2024), Teresa Ghilarducci, a noted expert on retirement, argues that the "working longer" idea is wrong, unnecessary, and discriminates against people who work in lower wage occupations. Ghilarducci pushes for a national plan to finance retirement that would draw on contributions by both employers and employees to replace our privatized and ramshackle personal retirement system and make changes in the tax system that supports Social Security to give people a real choice whether to retire or continue to work in their later years.  This book tells the stories of people locked into jobs later in life not because they love to work but because they must work. She demonstrates how relatively low-cost changes in the way we manage, and finance retirement will enable people in their so-called "golden years" to choose how to spend their time. Ghilarducci has a good public platform, writes for Bloomberg and other outlets, and is passionate about her ideas and reaching as broad a public as possible. The book is for the growing number of people in the public and policy community who are worried about their retirement and engaged in the renewed debate about Social Security and Medicare. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

The issue of the future of Social Security, on which millions of Americans depend, produced great political theater at the State of the Union address. That highlighted a bigger problem of financing retirement as baby boomers seek to retire, often with limited resources. Many argue that the solution to the problem is for people to work longer.  In Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy (U Chicago Press, 2024), Teresa Ghilarducci, a noted expert on retirement, argues that the "working longer" idea is wrong, unnecessary, and discriminates against people who work in lower wage occupations. Ghilarducci pushes for a national plan to finance retirement that would draw on contributions by both employers and employees to replace our privatized and ramshackle personal retirement system and make changes in the tax system that supports Social Security to give people a real choice whether to retire or continue to work in their later years.  This book tells the stories of people locked into jobs later in life not because they love to work but because they must work. She demonstrates how relatively low-cost changes in the way we manage, and finance retirement will enable people in their so-called "golden years" to choose how to spend their time. Ghilarducci has a good public platform, writes for Bloomberg and other outlets, and is passionate about her ideas and reaching as broad a public as possible. The book is for the growing number of people in the public and policy community who are worried about their retirement and engaged in the renewed debate about Social Security and Medicare. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies

The issue of the future of Social Security, on which millions of Americans depend, produced great political theater at the State of the Union address. That highlighted a bigger problem of financing retirement as baby boomers seek to retire, often with limited resources. Many argue that the solution to the problem is for people to work longer.  In Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy (U Chicago Press, 2024), Teresa Ghilarducci, a noted expert on retirement, argues that the "working longer" idea is wrong, unnecessary, and discriminates against people who work in lower wage occupations. Ghilarducci pushes for a national plan to finance retirement that would draw on contributions by both employers and employees to replace our privatized and ramshackle personal retirement system and make changes in the tax system that supports Social Security to give people a real choice whether to retire or continue to work in their later years.  This book tells the stories of people locked into jobs later in life not because they love to work but because they must work. She demonstrates how relatively low-cost changes in the way we manage, and finance retirement will enable people in their so-called "golden years" to choose how to spend their time. Ghilarducci has a good public platform, writes for Bloomberg and other outlets, and is passionate about her ideas and reaching as broad a public as possible. The book is for the growing number of people in the public and policy community who are worried about their retirement and engaged in the renewed debate about Social Security and Medicare. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/public-policy

The issue of the future of Social Security, on which millions of Americans depend, produced great political theater at the State of the Union address. That highlighted a bigger problem of financing retirement as baby boomers seek to retire, often with limited resources. Many argue that the solution to the problem is for people to work longer.  In Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy (U Chicago Press, 2024), Teresa Ghilarducci, a noted expert on retirement, argues that the "working longer" idea is wrong, unnecessary, and discriminates against people who work in lower wage occupations. Ghilarducci pushes for a national plan to finance retirement that would draw on contributions by both employers and employees to replace our privatized and ramshackle personal retirement system and make changes in the tax system that supports Social Security to give people a real choice whether to retire or continue to work in their later years.  This book tells the stories of people locked into jobs later in life not because they love to work but because they must work. She demonstrates how relatively low-cost changes in the way we manage, and finance retirement will enable people in their so-called "golden years" to choose how to spend their time. Ghilarducci has a good public platform, writes for Bloomberg and other outlets, and is passionate about her ideas and reaching as broad a public as possible. The book is for the growing number of people in the public and policy community who are worried about their retirement and engaged in the renewed debate about Social Security and Medicare. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/economics

The issue of the future of Social Security, on which millions of Americans depend, produced great political theater at the State of the Union address. That highlighted a bigger problem of financing retirement as baby boomers seek to retire, often with limited resources. Many argue that the solution to the problem is for people to work longer.  In Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy (U Chicago Press, 2024), Teresa Ghilarducci, a noted expert on retirement, argues that the "working longer" idea is wrong, unnecessary, and discriminates against people who work in lower wage occupations. Ghilarducci pushes for a national plan to finance retirement that would draw on contributions by both employers and employees to replace our privatized and ramshackle personal retirement system and make changes in the tax system that supports Social Security to give people a real choice whether to retire or continue to work in their later years.  This book tells the stories of people locked into jobs later in life not because they love to work but because they must work. She demonstrates how relatively low-cost changes in the way we manage, and finance retirement will enable people in their so-called "golden years" to choose how to spend their time. Ghilarducci has a good public platform, writes for Bloomberg and other outlets, and is passionate about her ideas and reaching as broad a public as possible. The book is for the growing number of people in the public and policy community who are worried about their retirement and engaged in the renewed debate about Social Security and Medicare. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/politics-and-polemics

The issue of the future of Social Security, on which millions of Americans depend, produced great political theater at the State of the Union address. That highlighted a bigger problem of financing retirement as baby boomers seek to retire, often with limited resources. Many argue that the solution to the problem is for people to work longer.  In Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy (U Chicago Press, 2024), Teresa Ghilarducci, a noted expert on retirement, argues that the "working longer" idea is wrong, unnecessary, and discriminates against people who work in lower wage occupations. Ghilarducci pushes for a national plan to finance retirement that would draw on contributions by both employers and employees to replace our privatized and ramshackle personal retirement system and make changes in the tax system that supports Social Security to give people a real choice whether to retire or continue to work in their later years.  This book tells the stories of people locked into jobs later in life not because they love to work but because they must work. She demonstrates how relatively low-cost changes in the way we manage, and finance retirement will enable people in their so-called "golden years" to choose how to spend their time. Ghilarducci has a good public platform, writes for Bloomberg and other outlets, and is passionate about her ideas and reaching as broad a public as possible. The book is for the growing number of people in the public and policy community who are worried about their retirement and engaged in the renewed debate about Social Security and Medicare. Learn more about your ad choices. Visit megaphone.fm/adchoices

The issue of the future of Social Security, on which millions of Americans depend, produced great political theater at the State of the Union address. That highlighted a bigger problem of financing retirement as baby boomers seek to retire, often with limited resources. Many argue that the solution to the problem is for people to work longer.  In Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy (U Chicago Press, 2024), Teresa Ghilarducci, a noted expert on retirement, argues that the "working longer" idea is wrong, unnecessary, and discriminates against people who work in lower wage occupations. Ghilarducci pushes for a national plan to finance retirement that would draw on contributions by both employers and employees to replace our privatized and ramshackle personal retirement system and make changes in the tax system that supports Social Security to give people a real choice whether to retire or continue to work in their later years.  This book tells the stories of people locked into jobs later in life not because they love to work but because they must work. She demonstrates how relatively low-cost changes in the way we manage, and finance retirement will enable people in their so-called "golden years" to choose how to spend their time. Ghilarducci has a good public platform, writes for Bloomberg and other outlets, and is passionate about her ideas and reaching as broad a public as possible. The book is for the growing number of people in the public and policy community who are worried about their retirement and engaged in the renewed debate about Social Security and Medicare. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/finance

New School economic professor Teresa Ghilarducci offered her thoughts on how to make retirement in the U.S. attainable for more Americans. She was interviewed by Washington Post economics correspondent Abha Bhattarai. Learn more about your ad choices. Visit megaphone.fm/adchoices

New School economic professor Teresa Ghilarducci offered her thoughts on how to make retirement in the U.S. attainable for more Americans. She was interviewed by Washington Post economics correspondent Abha Bhattarai. Learn more about your ad choices. Visit megaphone.fm/adchoices

 Watch Carol and Tim LIVE every day on YouTube: http://bit.ly/3vTiACF. Teresa Ghilarducci, Professor of Economics at The New School, discusses her book Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy. Hosts: Carol Massar and Tim Stenovec. Producer: Paul Brennan. See omnystudio.com/listener for privacy information.

 Watch Carol and Tim LIVE every day on YouTube: http://bit.ly/3vTiACF. Teresa Ghilarducci, Professor of Economics at The New School, discusses her book Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy. Hosts: Carol Massar and Tim Stenovec. Producer: Paul Brennan. See omnystudio.com/listener for privacy information.

Teresa Ghilarducci, professor of economics and director of the Schwartz Center for Economic Policy Analysis at The New School, joins for a deep dive into retirement: how it's shifted from pension to 401k over the years, been impacted by recent inflation and how to plan for the future.

As we wrap up season 2 of the podcast, Josh Cohen and guest co-host Michael Kreps come full circle to discuss alternative approaches to the U.S.'s employer-based retirement system. Instead of employers playing the role of the plan sponsor, what if the Federal Government stepped in? Or, what about the private sector? We discussed the proposed Retirement Savings for American Act, Pooled Employers Plans (PEPs) and much more. Josh and Michael are joined by two prominent influencers in the retirement space: Teresa Ghilarducci, professor of economics at The New School for Social Research, and Rick Jones, a Senior Partner in AON's wealth practice.   Key Takeaways: [2:07] Josh shares his two a-ha moments: One in 2010 when he visited Australia and learned about superannuation funds and the second a few years later when he heard about USA Funds. [3:03] Guest co-host Michael Kreps joins Josh, remembering the time that they met for the first time for a coffee, not knowing that they will end up hosting a podcast together. [3:41] Michael talks about his proposal to the Senate. [6:11] What if the Federal government plays the plan sponsor role for the private sector workers? Teresa Ghilarducci, professor of Economics at The New School for Social Research, speaks of the personal journey that motivated her efforts in this field. [10:30] Teresa speaks of the Mandatory Universal Pension System (MUPS). [16:46] Teresa's most recent proposal, a thrift savings plan for all workers. [19:20] Teresa endured a harsh pushback after the global financial crisis and received the name of ‘the most dangerous woman in America.' [20:17] Michael shares his thoughts about the Retirement Savings for America Act. [23:01] Michael discusses whether the government should be involved in running plans. [24:21] Rick Jones, a senior partner in the wealth practice at AON discusses pooled employer plans (PEPs). after discussing his career choices that led to his current position. [25:50] Rick discusses the employer's role in the US System and why he is passionate about PEPs. [28:37] The two main problems of the Multiple Employer Plans (MEPs) are the common nexus and the one-bad-apple rule. [30:06]  Rick speaks of the Secure Act.: , including who plays the role of the plan sponsor in PEPs and the fiduciary duties required. [35:05] Rick expands on the opportunities provided by pooling. [38:11] Michael adds his perspective on PEPs and its early efficacy indications. [42:14] Michael shares his wrap-up comments about the overarching question: Who plays the role of the plan sponsor? [44:06] Josh closes two full seasons of the podcast, addressing this podcast's central question and its complexity: We need Intentional plan sponsors!

Washington Post personal finance columnist Michelle Singletary speaks with Teresa Ghilarducci, professor of economic policy analysis, and C. Nicole Mason, president and CEO of the Institute for Women's Policy Research, about how women can grow their wealth to the fullest potential, navigate the current uncertainties in the economy and overcome structural barriers like the wage gap.

Description: This week I am speaking with Teresa Ghilarducci and Sia Radpour about how the great retirement surge was not associated with the great resignation but by mass job loss by older workers during the pandemic. Teresa and Sia are both economists with the Schwartz Center for Economic Policy analysis and they recently published a report called No "Great Resignation" for Older Workers—Mass Job Loss Drove the Retirement Surge. This report confirmed many of our suspicions that the great retirement surge was driven by involuntary job loss and was not by choice. Teresa's bio is as follows: Teresa Ghilarducci is a labor economist and nationally recognized expert in retirement security. She holds the Irene and Bernard L. Schwartz Chair in economic policy analysis in the Economics Department at the New School for Social Research and directs the Schwartz Center for Economic Policy Analysis that focuses on economic policy research and outreach. Ghilarducci joined The New School in 2008 after 25 years as a professor of economics at the University of Notre Dame. Her most recent book, Rescuing Retirement: A Plan to Guarantee Retirement Security for All Americans, offers solutions to the growing retirement crisis in the U.S. Sia's bio is as follows: Siavash Radpour earned his Ph.D. in economics from the New School for Social Research in 2020. His research focuses on the effects of the retirement system and aging on wealth and income inequality, wellbeing, and economic growth and redistribution. Previously, he worked as a Research Associate for the Retirement Equity Lab. He received his MA in economics and business from the University of Groningen in the Netherlands and Corvinus University of Budapest. My discussion with Teresa and Sia clearly states some of the ugly truths on how older workers have been hurt during the pandemic. They acknowledge the elephant in the room that ageism in the job market is alive and well. This is an employer issue that only employers can fix. This episode is sponsored by Career Pivot. Check out the Career Pivot Community, and be sure to pick up my latest book, Repurpose Your Career: A Practical Guide for the 2nd Half of Life Third Edition. For the full show notes click here.

Let's kick off Financial Literacy Month with programs, reading recommendations, and more! Check out what we talked about: Books mentioned: "Money Changes Everything: How Finance Made Civilization Possible" by William Goetzmann. "Napkin Finance: Build Your Wealth in 20 Seconds Or Less" by Tina Hay. "Bad with Money: The Imperfect Art of Getting Your Financial Sh*t Together" by Gaby Dunn. "Get Good with Money: Ten Simple Steps to Becoming Financially Whole" by Tiffany Aliche. "How to Retire with Enough Money: And How to Know What Enough Is" by Teresa Ghilarducci. "10 Personal Finance Podcasts to Listen to in 2022" U.S. News article: https://money.usnews.com/money/personal-finance/saving-and-budgeting/articles/best-personal-finance-podcasts-to-listen-to Connect with Educators Credit Union: www.ecu.com Access Udemy: www.mcfls.org/udemy Read Tiffany Aliche's blog: www.thebudgetnistablog.com To access complete transcripts for all episodes of Not Your Mother's Library, please visit: oakcreeklibrary.org/podcast Check out books, movies, and other materials through the Milwaukee County Federated Library System: countycat.mcfls.org hoopladigital.com wplc.overdrive.com oakcreeklibrary.org

MarketWatch's retirement reporter, Alessandra Malito, speaks with Teresa Ghilarducci, director of the Schwartz Center for Economic Policy Analysis, about how the pandemic has affected retirement savers.

In a recent study, hiring managers were 20% less likely to hire candidates who voiced an interest in the company's pay and benefits structure. Rellie Derfler-Rozin, associate professor at the Management and Organization Department at the Smith School of Business, University of Maryland, talks about her research on hiring bias. She is joined by Teresa Ghilarducci,  professor of economics and director of the Schwartz Center for Economic Policy Analysis at The New School, who explains New York City's new wage transparency law, which will require jobs posted with four or more employees to list salary ranges.

President Biden criticized Republicans opposing efforts to keep the country from defaulting on its debt. Teresa Ghilarducci, labor economist focusing on retirement security, director of the Schwartz Center for Economic Policy Analysis at The New School, and a senior contributor for Forbes, explains what government shutdown would mean for ordinary Americans.

Economist John Williams, Gene Epstein and Michael Oliver return. John has believes the U.S. is destined for a Weimar Republic like hyper inflation. But recent history suggests that with so much debt sloshing around the globe, consumer price deflation not inflation, will prevail. With America once again facing prospects of a financial crisis, we will ask John what underlying forces will be in play to trigger hyper inflation. Might it have something to do with the dollar, which as Michael told us last week, is destined for a dramatic decline? Gene will join us after a long absence to discuss his upcoming debate with Dr. Teresa Ghilarducci at the SoHo Forum in which he will argue that given Social Security's nearly $3 trillion trust fund, the system cannot add to the federal deficit. Michael will pass along his usual prescient observations about the stock, bonds and precious metals markets.

On this week's episode of Economic Update, Prof. Wolff provides updates on strike of Harvard workers, big food capitalists, Berlin fights gentrification, collapse of US malls, pain mess for unemployed. Interview with Prof. Teresa Ghilarducci expert on YS pension economics.