When Baby Boom Women Retire

Fewer than 20% of Baby Boom women will experience a secure retirement. Marriage, education, occupation, home ownership―these variables predict their .
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2. Career choices were sometimes limited, and so was the pay.

Fast forward through the working years, and those lower-paying, flexible-schedule jobs became a double whammy for retirement planning, because they often resulted in lower savings and Social Security benefits. And, today, as their children get older and out of school, many moms continue to help them out financially with student loan debts, down payments on houses, child care, cellphones, insurance and a wide variety of other expenses — with Mom often ignoring the need to save for her own retirement.

Baby boomers unprepared for retirement?

This can be a difficult transition for a mom: Sure, they may take care of the checkbook and the family budget — but traditionally, it has often been the husband who took care of investments, retirement plans and meetings with the financial professional. Of course, there are always exceptions to that statement! While these numbers work the same for men and women, they have greater bearing on women, given their generally earlier retirement age. Every year that anyone continues to work and save past age 62, while delaying the start of Social Security benefits, can potentially enhance future retirement income.

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You could live into your 80s, 90s or even s — so the decision of when to start your Social Security benefits needs to be made within your comprehensive retirement plan. Considerations in making that decision include: Some women remain single forever. Others will be widowed or divorced. And, for women with children, single-mother families in were nearly five times more likely to be living in poverty than married-couple families. This book combines in one source all the important issues of baby-boom women's retirement; thus, it is a good tool for policymakers and lobbyists to comprehend better the intricate aspects of women's retirement.?

Dailey's book is one of the best examinations of women's labor force and retirement behavior For students, faculty, and professionals in many areas including women's studies, sociology, gerontology, and economics.? This book is a 'must' for gerontologists, researchers, professionals in the field of aging, and others who have an interest in retirement issues.? Nancy Dailey documents what many have long feared: The time to change a bleak future is now.?

Financial Issues Baby Boomer Women Nearing Retirement Face

For students, faculty, and professionals in many areas including women's studies, sociology, gerontology, and economics. The time to change a bleak future is now. Hayes Executive Director, National Center for Women and Retirement Research Southampton College "A work that combines meticulous scholarship with a keen sense of direction for women's retirement future. It is rare that a solidly data-based study also captures so much of what matters qualitatively for women, as they consider their work experience and their prospects of well-being.


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Financial Issues Baby Boomer Women Nearing Retirement Face

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Rising education levels—more-educated people are known to remain employed longer. Growing numbers of white-collar jobs, which older people are more physically able to perform. Declining availability of employer-provided health insurance for retirees. More women reaching older ages with longer work histories than previous generations. Financial losses and debt related to the Great Recession to putting pressure on older workers to stay on the job longer. The rising availability of part-time positions—In , about 39 percent of employed adults ages 65 and older worked less than 35 hours per week, according to the U.

Bureau of Labor Statistics.