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Retirement Reboot: Commonsense Financial Strategies for Getting Back on Track
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About Retirement Reboot: Commonsense Financial Strategies
Product Description For millions of Americans, the COVID shock has brought retirement saving to an abrupt halt—now it’s time to get back on track. Even before the pandemic, a large share of households by Americans over age 50 faced the threat that their living standards would decline sharply in retirement. In the wake of COVID-19, these numbers will surely worsen. In Retirement Reboot: Commonsense Financial Strategies for Getting Back on Track, finance writer and regular New York Times retirement contributor Mark Milleroffers practical strategies for Americans to improve their retirement prospects. If you’re nearing retirement age and worry you haven’t saved enough, Retirement Reboot will walk you through the core decisions to make now to improve your retirement outcomes—even if retirement is just a few years away. You’ll learn how to make a plan, think through the timing of retirement, optimize Social Security, navigate Medicare, build savings, and tap home equity. You’ll also explore ongoing strategies, such as careful budgeting, generating income from work even after retirement, planning for long-term care, and leveraging special assistance aimed at low-income workers. If you have low savings, or none at all, Miller’s simple steps can help you make the most of your remaining working years and reboot the retirement you always imagined. About the Author Mark Miller is a journalist, author, and podcaster with a national reputation as a top expert on retirement and aging—and he is at a point in life when he personally is asking himself many of the same questions facing millions of other older Americans. He contributes regularly to the New York Times “Retiring” column, which appears in the Sunday edition, where they are among the best-read personal finance stories in the paper. He also writes monthly national columns on retirement for Reuters, Morningstar, and Wealth Management magazine. Mark’s website, RetirementRevised.com, publishes a newsletter and podcast that features interviews with authoritative experts in the field of retirement. His previous books include Jolt: Stories of Trauma and Transformation and The Hard Times Guide to Retirement Security. He is the father of three young adult children who still periodically seek out advice from him or his wife of forty years, Anita Weinberg. Excerpt. © Reprinted by permission. All rights reserved. If you are getting close to retirement, the odds are pretty good that you’re not prepared. I don’t mean getting prepared emotionally—although retirement is a significant life transition that can shake people up. I’m talking about the financial side of retirement. And the statistics tell us that two-thirds or more of Americans nearing retirement age simply are not ready. The most important measure of financial readiness to retire is your ability to replace working income after you retire—in other words, your ability to maintain your standard of living. This readiness is directly related, of course, to the financial history of your working years: career earnings, time spent out of the workforce, and financial emergencies that flare up along the way. Competing demands for each available dollar, such as the high cost of housing, child care, and college tuition, also matter a great deal to your level of preparation for retirement. An unexpected crisis or life upheaval like a health emergency, divorce, or disability that prevents you from working, can throw your plans off track. Americans approaching retirement now have surfed some especially scary economic waves. If you were 55 years old in 2021, you’ve experienced four recessions that might have left you unemployed for extended periods of time. Two of them were especially devastating for older workers: the Great Recession of 2009–10 and the pandemic-induced recession that began in 2020. Both of these downturns produced higher rates of job loss—and longer periods of joblessness—for older workers than for younger ones. Millions of ho
