PDF Advances in the Economics of Aging (National Bureau of Economic Research Project Report)

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The challenges and opportunities of an aging population already are beginning to transform our homes and neighborhoods.

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Today, we do not have enough affordable, appropriate housing and services to meet the needs of a population that includes significant numbers of very old Americans. Among the oldest old, the percentage of the population residing in skilled nursing facilities is declining. Maintaining health and delaying the onset of chronic disease represent the most promising paths to continued longevity gains and quality of life improvements.

Adopting a healthy lifestyle is key to accomplishing health goals.

Book Series: National Bureau of Economic Research Project Report

I n an age of unprecedented longevity, a focus on lifelong individual financial security has never been more crucial. The mission of the Financial Security Division is to bring a unique interdisciplinary perspective to financial security issues facing our society by rethinking the perceived problems around an aging population, especially retirement planning and the need to work longer. By understanding the role that research, education and policy can play in solving these issues and by looking at the problems from multiple perspectives, we will drive the dialogue forward in order to facilitate a healthier state of long-term financial security for the individual and society.

We bring together the best thinkers, policymakers, and business leaders to drive innovation and change around financial security issues. We focus our efforts on three topic areas: financial capability; the new career lifecycles; and common financial pitfalls such as fraud. For each of these areas, we identify key research and policy issues, catalyze research around practical solutions, disseminate information to key stakeholders and thought leaders, and discuss ways to encourage evidence-based policy decision.

More specifically, for financial capability, we will explore how to help individuals become wise consumers of financial information and prepare for financial milestones such as retirement. Finally, our work on common financial pitfalls such as fraud will consolidate research from a range of disciplines to form a unified understanding of fraud and effective fraud prevention.

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Our cultural norms and our standards for financial education need to change as individuals are living longer and need to be increasingly responsible for their own financial well-being. Financial capability refers to possessing a level of understanding of financial matters to take effective action toward achieving individual and family financial goals.

Whereas financial literacy only focuses on building knowledge, financial capability expands the definition and puts additional emphasis on attitudes and behaviors needed to successfully achieve financial goals. Topics within this realm include understanding financial concepts from numeracy to wealth transfer , using that knowledge to create and execute financial plans understanding the roles of individuals and financial professionals , and the underlying financial education and standards that support building such knowledge and behavior. Typical conceptions of retirement, for example, must change in order to reflect the current reality of increased responsibility and longevity.

Changes in pension and retirement plans, confidence in the stability of government entitlement programs, the lingering effects of the recent recession on investments and housing, continued low interest rates and returns, rising healthcare expenses, and longer life spans have made retirement planning an incredibly complex equation. Not only do individuals lack confidence about their ability to retire, they also have very little confidence in their ability to develop and execute a plan through retirement.

Important first steps in changing retirement planning behavior include identifying which resources individuals are likely to use, and what education or financial advice will stimulate appropriate action. Although life expectancy has continued to increase, the average retirement age has remained flat at about 63 years of age since , according to the Center for Retirement Research at Boston College. As a result, the number of years spent in retirement has increased greatly; for men, the number of years spent in retirement rose from eight years in to 19 years in Given this increase, people must now save more in order to maintain their standard of living through retirement.

This new reality necessitates a change in the meaning and nature of work across the entire lifespan, particularly among older people. We will begin by exploring how employees, employers, and policymakers can work together to rethink the traditional career lifecycle and encourage individuals to work longer, save more, and embrace alternative career trajectories.

Some initial topics for consideration include: affordable employee benefits for an aging workforce, especially the impact of healthcare costs; extended and non-traditional career paths; and social and cultural changes in the workforce. We will also identify the barriers and disincentives that affect labor force participation rates among older people and investigate what incentive structures would encourage older people to work longer.

We are particularly interested in identifying potential legislative policies that would provide incentives for both employees and employers to promote working longer, such as payroll tax changes that incent keeping older workers in the workforce. Through this understanding, we can identify the most effective detection and prevention strategies.

The Center has two urgent initiatives: consolidate research and connect research to policy. Click below to explore a searchable archive of summarized research, news articles, surveys, data and research implications. Sharpe, PhD.


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Financial resources are essential in order to live longer and better lives. Despite recovery in jobs, stock and real estate markets since the Great Recession, more Americans in the 21st century are struggling to achieve financial security. With longer life expectancies come more opportunities, but also more risks. See all projects. Your wellbeing when older is determined by your entire life map; longevity matters at all ages!


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  • The fact that many Americans underestimate their longevity may be another important cause. The workplace is becoming more age diverse as Baby Boomers work longer and engage with colleagues of all ages. There is a cultural shift and hopefully reduction in ageism beginning! Learn more about the challenge here! Carstensen, PhD; John W.

    NBER Aging Program

    Jack Rowe, MD; William Damon, PhD A growing body of research indicates the benefits to cognitive functioning that come from stimulating environments and new learning. Carstensen, PhD; Mary Goldstein, MD, MS The decisions people make throughout their lives about finances, work, health and social relationships have a tremendous influence on aging trajectories.

    What are the community indicators that measure the well being of older people? Which incentives would encourage builders and remodelers to construct smaller, age-appropriate, lifelong homes? Which affordable, replicable technologies and systems can effectively deliver services to old people?

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    How can individuals working in a wide array of fields be linked to share information and priorities for action? Failing to Plan Underestimating Expenses Underestimating Years in Retirement Retiring Too Early Failing to Save Enough Important first steps in changing retirement planning behavior include identifying which resources individuals are likely to use, and what education or financial advice will stimulate appropriate action. September 3, Read more. July 8, April 1, October 22, Long previously served on the faculty of George Washington University as an assistant professor of economics and public policy and administration from Dissertation Award for the Best Ph.

    News and World Report , and numerous other outlets. Selected highlights:. Jardim, E. Long, MC, Krause, E.

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    Long, MC. Link to study. The goal of JSIT is to provide emerging scholars with training to develop research ideas and with mentoring to write an initial research proposal. The research proposals that scholars develop through JSIT may be eligible for small grants or other support. The University of Wisconsin-Madison Center for Financial Security Retirement and Disability Research Center CFS RDRC is an applied research program which develops evidence that can assist policymakers, the public, and the media in understanding issues in Social Security, retirement, and disability policy, especially related to economically vulnerable populations.

    The CFS RDRC incorporates diversity of viewpoints and disciplines, develops diverse emerging scholars and generates research findings that are used in policy and practice. The Alliance, known locally as DreamUp WI , is sponsored by Schmidt Futures, a philanthropic initiative founded by Eric and Wendy Schmidt that seeks to improve societal outcomes through the thoughtful development of emerging science and technology that can benefit humanity.

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    DreamUp WI is a partnership between the University of Wisconsin—Madison and the community, tasked with generating ideas to increase the net income of 10, Dane County families by 10 percent by the year The thirty-five day, partial Federal shutdown caused , employees to miss paychecks.

    Michael Collins.

    wegoup777.online/mi-hijo-es-un-adolescente.php CFS Affiliate and Professor at the WI School of Business, Anita Mukherjee, along with her co-authors, Hessam Bavafa and Junhao Liu, published their article in the Journal of Consumer Affairs, which examines the subject of improving financial and health literacy in reducing economic vulnerability in older age. This paper delves into the question of how and by what means individuals accumulate these types of human capital by looking at the impact of online search activities on the levels of financial and health literacy.

    Jirs Meuris , Assistant Professor in the Management and Human Resources Department at Wisconsin School of Business, provides expertise based on his extensive research on financial stress and worker productivity. Meuris discussed his studies, and as well as the broader organizational effects, showing that the more worried employees were about their personal finances, the more accident- and error-prone they were in their work. Links to media coverage:. Read full press release. Description: University of Wisconsin trainers will provide a 2-day workshop on skills and strategies for financial coaches.