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Why retirement realities are changing for future generations

Yahoo Finance Video
138,825 次觀看
3 年前
Retirement realities are changing for future generations. A Wells Fargo study reveals today's retirees are the last demographic to experience their golden years shaped by forces of the prior century. The survey notes 86% of today's U.S. retirees are living primarily off their social security or pension, and younger generations are taking notice. Chad Parks, Founder and CEO of Ubiquity Retirement, joins with Yahoo Finance's Zack Guzman and Kristin Myers, along with The Brewer Group CEO and Former NFL Player Jack Brewer, to discuss.
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  • r
    richard t
    Social security could have been designed in a way to replace your income in retirement. My employers and I have contributed 12% to 13% of my income annually for over 50 years. We have deposited over $300,000 thus far. Instead of investing those funds in the S & P 500 or similar mutual fund that would have earned 10% annually, they were invested in treasury bonds earning around 2-3% annually. Then social security devised hundreds of schemes to give benefits to people who contributed little or nothing. Social security disability has become the biggest scam. I estimate hat if I had control over my funds and have and been able to invest them on my own like my 401K, they would be worth at least $3-4 million dollars that I would own, be able to live comfortably off the interest and leave millions for my heirs. Instead they funds have earn less than inflation and have been distributed to others. I'll be lucky to live long enough to get what I put in.
  • H
    Hey_Mickey1984
    Being in my 60s I don't have to worry about all of the deficit spending, because I won't be around long enough to have to pay the bills...nice!
  • B
    Brian
    Gen X, Gen Z and Millennials should vote for candidates that run on strengthening Social Security and Medicare. Why? Because they are due to receive perhaps the biggest transfer of wealth from their parents estates if their parent do not have to spend all their assets in old age leaving them with nothing or worse, debt.
  • C
    Catnip
    Passing the Secure Act would really help those who don't want to take their required minimum withdrawal at age 70 1/2.
    This would allow them to work a bit longer and save a bit more money for actual retirement.
    This passed the house and was sent to the senate on 6/3 but has not been addressed by the senate at all.
    Seniors have until 12/31 to take their withdrawals without penalty so it would behoove the senate to act quickly and for President Trump to sign this bill quickly before 12/31.
    Also not taxing social security at all would be helpful to some seniors.
  • G
    G
    Given what I have seen with the federal government trying to take money out of pockets, I don't see a so called golden years in the future. And oh by the way don't expect to receive education from your so call government or your aka private industry to keep going either and throw in the so called investment companies to. You better relay on YOU for finding out what YOU need to have done and to get it done.
  • n
    noan
    Because the politicians and wall street have figured out how to screw everyone and get away with it.
  • S
    Scott
    A LOT of people who WOULD have been able to retire in previous generations, SIMPLY NEVER WILL.

    Why not?

    Where'd that MONEY go?

    Hmmmm....better give RICH folks another COUPLE TRILLION IN TAX CUTS so they can so GENEROUSLY make sure people have JOBS to do UNTIL THEY DIE, in stores, restaurants, hotels, amusement parks, car dealerships, cinemas and all the rest, which will be EMPTY when the MIDDLE CLASS IS GONE in this country, BY REPUBLICAN DESIGN.

    Think I'm joking? Been to your local SHOPPING MALL, or Toys R Us, or Radio Shack, or Sears lately?

    The middle class is HALF GONE as a percentage of total wealth--from 40 percent to 20 percent, since the early 80s when Reagan Republicans declared WAR on WORKERS and unions and pensions and wages and affordable healthcare and family finances.

    The middle class, less than 100 years old, and created by that SOCIALIST president, Roosevelt, will be GONE by 2050 or 2060, so RICH WHITE REPUBLICANS can HAVE THEIR CHEAP SLAVE LABOR SOCIETY back, that they NEVER got over LOSING 150 years ago.

    And NO amount of money will EVER be enough for the RICH, not even ALL of it.

    And if you think the RICH will buy enough cars, movie tickets, hotel stays, restaurant meals, eyeglasses, dental appointments, insurance policies, beachhouses, or ANYTHING ELSE, enough to KEEP EVERYONE ELSE IN THEIR JOBS, then you're a STUPID FOOL, and probably a brain-melted FOX NEWS WATCHER!
  • M
    MARK
    We baby boomers will be known as the generation that ate their young with the debt accumulation........on a federal,state and local level because of government unfunded pensions and healthcare
  • S
    Stephen
    Retirement will not be an issue in the near future.
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