Archive:
Abstract The typical family in the US is now a dual-earner couple, yet there are relatively few studies that examine the retirement decision in a household context. This paper explores how husbands’ and wives’ retirement behavior is influenced by their own financial incentives from Social Security and private pensions and by “spillover effects” from their…
Introduction Individual Retirement Accounts (IRAs) now hold more assets than either defined benefit or defined contribution pension plans, but many people do not understand how they work. This Just the Facts reminds readers of the differences between Roth and conventional IRAs and describes their role to date as saving vehicles. This piece concludes that althoug…
