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Posted: 29 Sep 2016 02:05 AM PDT
Here's a post that asks if we have a retirement crisis. Why would anyone ask that? Here's why it asks that:
From this data, it looks like we’re officially in crisis mode. The near retirement households are going to be in serious trouble after they retired. The median retirement account balance for people 55-64 (who have retirement accounts) is $104,000. That might sound like a lot of money, but it could be gone in just a few years. What about those folks without retirement accounts? Their median balance is just $14,500. That’s up from $12,000 in the previous report, but it’s not even close to being enough for one year of retirement. If you have only $14,500 saved up at 65, then you are going to be in for a very long frugal retirement. Those households will be dependent on Social Security benefits and other public programs. One little emergency can screw up their finance and push them over the brink.
So what are these people, with little retirement savings, left to do? Why work longer, of course.
70% of people say they want to work as long as possible, a new Bankrate Money Pulse survey finds. Also, early retirement is no longer the goal it once was. Just 13% of non-retired respondents said they hope to retire in their 50s, down from 27% when the question was asked in 2007.
This information mirrors closely what I said in The Vast Majority of Americans Will Struggle Financially All Their Lives. People either don't understand or won't apply the basics of personal finance to their lives. They ignore these things for 40 years, get to retirement, and realize they can't retire. Ugh!
That's why I continually share (some might call it harping) these facts on FMF. If I can help one person find and apply the basics and thus have the financial life they want (versus the one they get if they do nothing), it will be all worthwhile to me.
So, what are the basics?
Any thoughts or comments from FMF readers? How is your retirement planning going?
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