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At any given time, only about half of U.S. private sector workers are covered by an employer-sponsored retirement plan.  As a result, roughly one-third of households end up completely reliant on Social Security at retirement, while others move in and out of coverage throughout their careers and end up with only modest balances in a…

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U.S. inflation peaked at 8.9 percent in June 2022, and, while the rate has declined substantially since then, inflation still remains an important concern.  That concern is justified in that the first brief in this two-part series – as well as numerous other studies – have shown that inflation harms older households by both reducing…

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One in four 20-somethings in the Boston metropolitan area said in a recent survey that they are planning to quit...

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The term doesn’t really matter, but about half of households are not doing so well. Reporters always want to know...

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Public pension plans have been shifting toward more complex investments in the past two decades, moving a sizable share of assets out of traditional equities, bonds, and cash into alternative assets, and expanding their reliance on external managers.  This increased complexity, coupled with a shift toward active management, contrasts sharply with other investors,…

This paper examines how differences in Supplemental Security Income (SSI) generosity, driven by differences in state SSI supplements, affect people’s interaction with the program.  This paper uses county-level administrative data on SSI recipiency rates, as well as county-level data on SSI application rates, SSI award rates, group specific employment rates, earnings, and migration rates to…

A common refrain among retirement researchers is that longer careers are the best way to ensure an adequate retirement.  This refrain is often directed at the workers themselves – “you need to work longer!” And that message seems to have been getting…

CRR IN THE NEWS

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A new survey explores an odd subgroup of American employees: Workers who aren’t enrolled in a 401(k), but who think they are.

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NEW YORK TIMES

For about 15 years, Paula Span has dedicated much of her journalism career to covering one subject: aging, and the challenges that come with it.