La Soluzione Finale: non si va più in pensione...

NON PERDETE il mio IMPERDIBILE canale twitter

Sono a mezza forza ed in mezza vacanza...
per cui la butto lì senza troppo argomentarci sopra
come TEMA di riflessione e di discussione:
La Soluzione Finale: non si va più in pensione...e si pianifica di lavorare per sempre...
Nota: per sempre = fino al termine della propria vita...almeno quello...:-)

Ecco l'analisi di uno dei migliori Blogger made in USA
su una prospettiva che fa rabbrividire
ma che purtroppo è assolutamente "coerente"
con la piega che stanno prendendo l'economia&la società "post-moderne"
(mi verrebbe da dire post-atomiche...con un ritorno verso la legge di "natura" secondo la quale gli animali vecchi&zoppi....).
L'analisi è condotta sul contesto statunitenese ma,
fatte le debite "proporzioni",
possiamo trarne parecchie deduzioni&previsioni
anche sul nostro sistema pensionistico e sulla sua "futura tenuta"....

THE NO RETIREMENT PLAN: More And More Americans Plan To Work Forever

di Mike "Mish" Shedlock

Given major delays in retirement plans, 80 is the new 65 says CNN Money.

A quarter of middle-class Americans are now so pessimistic about their savings that they are planning to delay retirement until they are at least 80 years old -- two years longer than the average person is even expected to live............

It sounds depressing, but for many it's a necessity. 

On average, Americans have only saved a mere 7% of the retirement nest egg they were hoping to build, according to Wells Fargo's latest retirement survey that polled 1,500 middle-class Americans.

While respondents (whose ages ranged from 20 to 80) had median savings of only $25,000, their median retirement savings goal was $350,000. 

And 30% of people in their 60s -- right around the traditional retirement age of 65 -- that were surveyed had saved less than $25,000 for retirement.

As a result, many people aren't in a hurry to quit their day jobs.

Three-fourths of middle-class Americans expect to work throughout retirement. And this includes the 25% of Americans who say they will "need to work until at least age 80" before being able to retire comfortably.

Job Insecurity, Debt Weigh on Retirement Confidence, Savings

The Employee Benefit Research Institute (EBRI) reports Job Insecurity, Debt Weigh on Retirement Confidence, Savings

Executive Summary Points

• Americans’ confidence in their ability to retire comfortably is stagnant at historically low levels. Just 14 percent are very confident they will have enough money to live comfortably in retirement (statistically equivalent to the low of 13 percent measured in 2011 and 2009).
• Employment insecurity looms large: Forty-two percent identify job uncertainty as the most pressing financial issue facing most Americans today.
• Worker confidence about having enough money to pay for medical expenses and long-term care expenses in retirement remains well below their confidence levels for paying basic expenses.
• Many workers report they have virtually no savings and investments. In total, 60 percent of workers report that the total value of their household’s savings and investments, excluding the value of their primary home and any defined benefit plans, is less than $25,000.
• Retirees report they are significantly more reliant on Social Security as a major source of their retirement income than current workers expect to be.
• Although 56 percent of workers expect to receive benefits from a defined benefit plan in retirement, only 33 percent report that they and/or their spouse currently have such a benefit with a current or previous employer.
• More than half of workers (56 percent) report they and/or their spouse have not tried to calculate how much money they will need to have saved by the time they retire so that they can live comfortably in retirement.

What About the Expected Retirement of Nuclear Power Plants?

I picked up links to the above articles in a surprising place.
Dawn Stover, writing for the Bulletin of the Atomic Scientists compared the retirement of workers to the "The new retirement" for nuclear power plants

Today, only 14 percent of Americans age 25 and older are confident that they will have enough money to retire comfortably, according to a recent survey by the Employee Benefit Research Institute (EBRI).
A nother recent survey, by Wells Fargo, reported that a quarter of middle-class Americans now plan to postpone retirement until they are at least 80 years old -- longer than many of them are expected to live.
For Americans facing an uncertain financial future, 80 is the new 65.

Some are calling it "the new retirement."
But it really should be called "the no retirement."

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continua
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