Five Problems People Have When They Retire

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Everyone desires the sure thing, the safest path, and the most unquestionable of choices. But life is full of uncertainty, and there is no time like the present to see this. With uncertainty comes risk. Only gamblers find risk compelling. And that’s because they know how to manage it (or at least they think they do). Typically, though, no one likes risk.

Crossing the threshold into retirement magnifies the uncertainty you must deal with. Wouldn’t it be to your advantage to fully understand what those experienced with retirees see as the major problems people have when they retire? Here are five such problems for you to think about and possibly prepare for.

Organizing Finances

If you don’t plan, you plan to fail. The same goes for organizing your finances. Of the problems mentioned in this article, organizing your finances ranks as the one you should do well before you retire. By getting things in order in advance of retirement, you’ll better prepare yourself for the choices you have to make. “The main problem people face upon retirement is organizing their financial lives and finding new purpose,” says Robert Reilly, a member of the finance faculty at the Providence College School of Business and a financial advisor at PRW Wealth Management in Boston.

“If they have not already done some formal financial planning, replicating their old paycheck can be a daunting task. Most workers are used to a certain cycle for their paycheck and had a routine in place to pay their monthly bills. Significant time and effort can be required to figure out a new budget, new payment methods for healthcare and other major bills.”It’s natural to have several questions when you retire. Organizing your finances represents the best way to tackle the uncertainty of retirement.

“The two cornerstone questions faced by those anticipating retirement are ‘Am I going to be OK?’ and ‘Can I afford to financially support the lifestyle I have worked all my life toward?’ Neither of these questions can be answered with the level of accuracy and confidence that people want until they have taken the time to organize their thoughts about what being OK in their retirement looks like,” says Doug Dahmer, CEO and founder of Retirement Navigator in Burlington, Ontario.

“Retirees significantly underestimate the amount of cash flow that can be uncovered during retirement by employing a strategically sound drawdown strategy. The financial impacts are often measured in the hundreds of thousands of dollars. However, there is no way to optimize a retirement lifestyle plan that cannot be successfully funded and there is no way to develop a strategically sound retirement funding strategy without the granularity of understanding where the peaks and valleys of year-to-year spending occur.

As such, they must organize their thoughts and pre-test their expectations as it relates to their specific version of knowing they will ‘be okay’ once they have retired.”

Transitioning to a new lifestyle

Once you step into the river of retirement, you’ll find yourself immersed in a different current. It’s not the first time you’ve entered a whole new world, but it’s probably been a long time since you’ve had that experience. As mentioned above, the first challenge—or self-doubt—will center on money. But, in the end, it comes down to your ability to live a new life.

“The main problems I see as a wealth advisor often hit several areas,” says Clint McCalla, Senior Wealth Manager at LourdMurray in San Diego. “A big one is not saving enough based on the lifestyle the retiree wants. They simply can’t afford to do the things they want to do. The other problem is boredom or a loss of purpose.

I also see relationship issues emerge between significant others as you are now potentially spending more time together, which is an adjustment. For anyone going through this transition, you need to be realistic about how quickly you adapt to a new lifestyle. It isn’t going to happen overnight. Take time to figure it out, and don’t pressure yourself to meet the expectations you had going into retirement.”

Inflation

The greatest problem is usually the one you least expect. When it hits, it hits big. It means you haven’t prepared for it. As a result, it leads to anxiety. The angst can be justified, or it can simply result from your being surprised. “The biggest challenge people face when they retire is failing to account for inflation,” says Chris Kampitsis, a financial planner at The SKG Team at Barnum Financial Group in Elmsford, New York.

“They assume falsely that the amount they will need to withdraw in year one is the same amount they might need to withdraw in year ten or twenty. People also drastically underestimate their spending. Conversely, they also tend to overestimate how much they can safely withdraw from their nest egg.”

Inflation, even when it trickles in, will have ramifications deep into retirement. It’s one reason financial professionals suggest you keep a significant portion of your retirement savings in long-term investments. This will allow your portfolio to grow even in retirement.

“The main issues for retirees are replacing income in an inflationary environment, preparing for unknown future healthcare costs and long-term care costs, and feeling confident to spend money when they have been good savers,” says Emily C. Rassam, senior financial planner at Archer Investment Management in Charlotte, North Carolina. “I met with a client who is afraid to start distributions even though she has saved well and has plenty to cover current distributions and future expenses.”

Financial Insecurity

All the above problems can lead to the most vexing of worries, that of financial insecurity. This feeling isn’t all bad, as it represents a defensive tactic that can help protect you from the worst-case scenario. “People usually just don’t have enough to retire,” says Bob Chitrathorn, CFO CFO -0.4% and vice president of Wealth Planning at Simplified Wealth Management in Corona, California.

“They simply retire and will try to make do with what they have, without knowing how long the amount of money they have may or may not last! There are many factors that can compound your fears concerning money. Working longer may exasperate this (although it may also offer advantages.) “The main problems people face when they retire are financial insecurity, health issues and social isolation,” says Derek Miser, investment advisor and CEO at Miser Wealth Partners in Knoxville, Tennessee.

“Many people rely on their pension income to survive, and if this income is reduced due to higher retirement age, it can cause financial hardship. Health issues often become more prevalent in older age, and these may only be compounded by working longer. Also, many people struggle with social isolation when they retire, as they can lose touch with their work colleagues and struggle to find a new sense of purpose.”

Boredom

Just because you make it through the money-related obstacles doesn’t mean you won’t have problems in retirement. For example, do you know the answer to this question: What is the meaning of your life? Discovering the answer for you is easier to know than you think. Still, fewer spend the time and effort needed to look into themselves. The lack of purpose becomes more apparent once you retire.

“The main problems people face when they retire depends on the situation,” says Anna Rappaport, member and volunteer of the Society of Actuaries in Chicago. “For example, some people have major financial challenges, and others do not; some get depressed and bored. People need to contribute and have purpose in life. If their main purpose was their job, they need to find a new passion and/or purpose. Also, many people retire not by choice–either due to job problems, health issues or their family needing them as caregivers.”

These non-monetary problems can be more detrimental than issues dealing with the financial side of your life. Fortunately, they can be addressed in the same way. “Retirement can be a challenge for many, and it is a bit of an archaic construct,” says Lawrence Sprung, founder of Mitlin Financial in Hauppauge, New York. “The concept was built when people’s life expectancies were much lower.

There can be a tremendous loss of purpose for those that retire early, putting them in a position not to experience joy and undergo mental health struggles. Just like you financially plan for retirement, you need to plan mentally too.” Don’t underestimate the loss of purpose. During your career, you had a regular schedule. That gave your life purpose. You might even think it gave your life meaning. This all changes in retirement.

“One of the main problems people face when they retire is a lack of purpose and meaning in their lives,” says Dennis Shirshikov, the Head of Growth for Awning.com in New York City and a professor at the City University of New York, where he teaches finance, economics, and accounting. “Many retirees struggle with feelings of boredom, loneliness, and isolation, which can lead to depression and other mental health issues.”

Whether it’s financial problems or mental hurdles, retirement presents a challenge. Are you ready to take on that challenge? And what will you do to address these challenges? There are answers you can consider.

Child IRA Expert and Hamburger Historian, he’s the author of “The Parents Guide To Turning Your Teen Into A Millionaire: And How To Do It Before High School

Source: Five Problems People Have When They Retire

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3 Tips To Announce You’re ‘Open To Work’ On LinkedIn

To use LinkedIn's 'Open To Work' feature effectively, you have to be specific about what you're ... [+]..getty

Every time I log in to LinkedIn, I see a post by someone looking for work that will likely not help them in their job search.

Maybe you’ve seen a post like this too. The person’s profile picture has a green Open To Work banner and the post says something like, “Hey friends, I’m looking for a new role and would really appreciate your support. Thanks in advance for any connections, advice, or opportunities you can send my way.”

To get hired, you need to do more than enable the Open To Work setting on LinkedIn. If you want to stand out in the LinkedIn newsfeed, it’s imperative that you sell yourself in your job search and use LinkedIn more strategically, which is what you’ll learn in this article.

One of the most important things you can do in your job search is to let as many people know as possible that you’re looking for a job. It’s the network effect: 85% of jobs are found and filled through networking and relationships, according to a study by the U.S. Department of Labor. One of the most obvious places to leverage the power of relationships is on LinkedIn.

Using LinkedIn’s Open To Work Feature

To help candidates let recruiters know you’re looking for a job, LinkedIn released the feature Open To Work, which adds a green banner with the hashtag #opentowork to your profile photo. It also surfaces your profile in search results when recruiters and hiring managers search for candidates that align with your experience and what you’re working for.

In theory, this seems like a useful feature for job seekers. However, you only get one chance to make a first impression, and most job seekers sell themselves short when announcing that they’re looking for a new job. For the sake of this article, let’s imagine I wrote the following LinkedIn post to announce I’m looking for a new role:

If someone saw this as they scrolled through their LinkedIn feed, they would not have enough context to truly help me in my job search. This post leaves a lot of questions unanswered and may garner some likes and well wishes, but likely won’t result in any meaningful conversations, connections, or referral.

Here are three tips to help you create a more effective LinkedIn post to announce you’re looking for work and that leverage your professional network.

1. Remind People What You Do

Many people focus on the size of their LinkedIn network and not the quality of those connections. The quest to reach the proverbial 500 connections is a somewhat meaningless goal. Just because you’re connected with people on LinkedIn doesn’t mean people know what you actually do.

This is why it’s crucial that when posting you’re Open To Work you include a sentence or two about what you do, an elevator pitch of sorts, that helps people understand the specifics of what you do. This is especially important because not everyone you’re connected with on LinkedIn works in, or understands, your niche or industry. If you want to increase the chances that people in your network may spot roles that are a fit for you, you must remind them what you do.

2. Articulate What You’re Looking For In Your Next Role

You need to be specific about what you’re looking for. Simply saying “I’m looking for a new role” doesn’t provide people with answers to questions including:

  • What type of job or job titles are you looking for?
  • Are you interested in a specific niche or industry?
  • Do you have a preference about size or stage of company?

This will increase the chances that people bring you more relevant opportunities or make more relevant introductions. Time is crucial in your job search, and this will help you avoid wasting time on opportunities that may not be a good fit.

3. Know Your Deal Breakers

If there’s anything that is non-negotiable for your next role, you should communicate that. For example, do you want to work remotely, stay in your current city, or are you open to relocate to certain cities? Are there certain benefits such as health care or retirement plans that are a must have based on your life needs right now? Include these details in your LinkedIn post so that people can be aware of what you can’t make compromises on.

The Open To Work feature can be an effective way to stand out. But you’ll stand out more, and increase the chances of people in your network helping you, if you can clearly communicate what you do and what you’re looking for.

I am the founder & CEO of Career Strategy Lab where we help professionals design, market, and sell themselves, so they have a fulfilling career and life.

Source: 3 Tips To Announce You’re ‘Open To Work’ On LinkedIn

.

Related contents:

“LinkedIn promotes communications lead Melissa Selcher to CMO”. PRWeek. Archived from the original on September 20, 2019. Retrieved September 19, 2019.

LinkedIn’s Azure move is less about scale and more about the speed of innovation”. TechRepublic . December 10, 2019. Archived from the original on December 10, 2019. Retrieved December 10, 2019.“About Us: Statistics”. news.linkedin.com

Reid Hoffman’s Big Dreams for LinkedIn”. The New Yorker. Archived from he original on May 1, 2021. Retrieved October 10, 2015.“About LinkedIn”. about.linkedin.com. Archived from the original on May 28, 2021. Retrieved December 16, 2019.Account Restricted | LinkedIn Help Center”. Help.linkedin.com. December 20, 2013. Archived from the original on August 19, 2020. Retrieved October 6, 2015.

Locations – LinkedIn Careers”. LinkedIn. Archived from the original on November 9, 2021. Retrieved November 10, 2021.“LinkedIn Company Page”. LinkedIn. Retrieved May 3, 2020.

LinkedIn – Management”. LinkedIn Corporation. Archived from the original on February 20, 2009. Retrieved December 7, 2009.LinkedIn Secures $53M of Funding Led by Bain Capital Ventures” (Press release). LinkedIn. June 18, 2008. Archived from the original on August 2, 2013. Retrieved August 1, 2013.

LinkedIn Raises $12.8 Million from Bessemer Venture Partners and European Founders Fund to Accelerate Global Growth” (Press release). LinkedIn. January 29, 2007. Archived from the original on November 1, 2013. Retrieved August 1, 2013.

LinkedIn Premium Services Finding Rapid Adoption” (Press release). LinkedIn. March 7, 2006. Archived from the original on November 1, 2013. Retrieved August 1, 2013.Swisher, Kara (January 27, 2011).

Here Comes Another Web IPO: LinkedIn S-1 Filing Imminent”. All Things Digital. Archived from the original on May 26, 2011. Retrieved January 27, 2011.

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How The Pandemic Changed The Rules of Personal Finance

Pixabay 

In the last half of last year, we heard a lot of talk (and we at NPR did a lot of talking) about the Great Resignation, aka the Big Quit. This was a trend that started right around the beginning of the COVID-19 pandemic, and saw — anecdotally, at least — large numbers of people leaving their jobs voluntarily. There was some controversy about the Big Quit, not the least because some reporting on the trend made it sound as though many of these workers had decided to leave the labor force forever.

But the hard data — particularly here in the U.S. — suggests that in fact the labor force participation rate, which plunged at the beginning of 2020, recovered pretty quickly. That included workers close to retirement age. Which suggests that people weren’t actually quitting work altogether, but were, rather, just switching jobs — in many cases leaving jobs that paid well but required long hours, and finding jobs that perhaps paid less but gave them more control over their lives. In other words, it was less the Great Resignation and more the Great Reshuffle.

That’s certainly the conclusion that Jill Schlesinger reached. Schlesinger is a certified financial planner and a business analyst at CBS News. She’s also the author of a new book, The Great Money Reset, which draws on her experience talking with callers to her personal finance podcast, Jill on Money. Many of those callers were considering their own Big Quit, but they weren’t sure whether they could do it, or how to go about it.

Schlesinger says questions about switching jobs with a view to achieving better work-life balance aren’t unheard of in the personal finance world, but they became a lot more common during the pandemic. She describes herself as inundated. And she says that is the first in a number of big changes that she thinks will affect the personal finance world going forward.

“Amid the pandemic, people who called my show were seeking more control over their time and work conditions,” she says. “With the benefit of time and the quiet of the pandemic, many concluded that they want to work less or differently, enjoy more flexibility in their jobs, work at a less stressful job, or shift to a new career. They don’t necessarily wish to forgo the comforts of life, but they are willing to make at least some financial sacrifices in order to do it.”

It’s not only about the numbers

Financial sacrifice! That’s not a phrase you hear much in the personal finance world. That’s because, for the most part, personal finance specialists and planners are focused on increasing assets, with an eye on a long-term time horizon: retirement. In that world, the concept of financial sacrifice doesn’t really fit.

Schlesinger believes the pandemic has changed that because investors have been made acutely aware that they may not make it to retirement, and it’s a good idea to think about how to enjoy some of that money now. To factor that into the financial planning process, Schlesinger says, advisors are going to have to get to know their clients better.

“What’s hard for a lot of financial planners is they don’t like to get into the emotional stuff,” Schlesinger says. The best — and most expensive — planners do, of course: they see their clients as complex human beings, who have diverse needs and messy lives. Most of the financial services industry, however, is geared towards treating people as widgets that are expected to have a certain life span, punctuated by a specific retirement point.

There’s not much room for the human factor there. Schlesinger says good financial planners were already turning against that approach before the pandemic hit. “They realize that you cannot just hand a client a list and say, please populate the assets, liabilities, income expenses,” Schlesinger says. “You actually have to learn about who they are. And I think that the pandemic has accelerated that trend.”

The reserve fund is the most important thing

Schlesinger says that before the pandemic, she would give people some pretty standard advice about their money. She would start by telling them about the three mainstays of personal finance.

“I would say to people, you’re just starting out. Here’s what you have to do: You need an emergency reserve fund, you need to pay off your debt, and you need to try to put money into retirement. And I would often give those things equal weight.”

People saw the wisdom of paying off debt and saving for retirement, of course. The emergency reserve fund? That was a harder sell.

“People would yell at me and say, ‘How can you tell people to keep six to 12 months of their living expenses in an account that’s paying no interest?’ Because remember during the pandemic and early days, it really was 0% interest,” she says. But the pandemic underlined the importance of having some kind of cash cushion. “The people I spoke to who had emergency reserves, had funds that they could tap into, went through the pandemic in a very different way than people who were relying on stimulus checks and extended unemployment benefits.”

Now, she says, she still touts the three mainstays, but today the emergency fund gets much more attention. And not just from her. “I think post pandemic, more people understand that having an emergency reserve fund — having access to money that you can rely on — has become number one, two, and three.”

Everyone wants to talk about estate planning now

For most financial planners, the hardest part of conversations is talking about the end game. People are happy to discuss retirement all day long. After all, they’re anticipating a good time, when they can travel, or see family, and do all the things they’ve put off doing for forty years. But talking about what happens to their money and their assets when they die? No one ever wanted to talk about that before the pandemic.

They do now.

“I no longer have to fight with people about getting estate planning,” Schlesinger says. “It’s been a fascinating shift.”

Schlesinger says COVID-19 put end-of-life considerations onto the front burner for a lot of people. She heard an especially painful story from one caller, who told her about a blowup over a family business. “Someone died and there was a small business involved and there was no instruction. Like, ‘what are we doing with this business? Well, dad would’ve wanted us to keep it, but mom really needs the money.'”

A family fight erupted because the parent who died left no instructions. Presumably not what the parent had wanted to leave as their legacy. And certainly not what the grieving relatives wanted to go through.

“Everybody knows somebody who has a terrible estate story,” Schlesinger says. The upside is that those people paid attention to those stories. Now they want to discuss estate planning. But those are tough conversations that force people to make hard choices, and the challenge now, Schlesinger says, is actually getting her clients to put those plans in place.

The triggers have changed

It wasn’t unheard of for people to make big changes in their lives before the pandemic, of course, but Schlesinger says it wasn’t particularly common. Most people had a career and predictable trajectory to retirement that they did their best to stick to. There were usually only a handful of life events that could shift people from that trajectory. Divorce and death were the big ones, she says, but the pandemic brought a lot more triggers to the fore: Mental health; adverse work events; isolation.

“You’re living this very bare, stripped down life, and you’re with your thoughts, and you’re hearing about terrible things and it’s really scary,” she says, noting that in that context, suddenly a lot of the decisions we made in order to reach a faraway financial goal didn’t seem to make sense. “And maybe that’s the moment you say, ‘why do I live a thousand miles away from my parents? Why have I chosen to work so hard that actually I’m not sure I really like my job; but I know I really love my kids, and I don’t really think I want to work this way anymore.'”

The big barrier to making change — even when it seems the obvious choice — is fear. But the way Schlesinger sees it, the pandemic forced change on a large number of people. And they had to face those fears.

“I just was so overwhelmed by the number of people who were fearful. But who, once that fear started to dissipate, really saw opportunity amid all this chaos. And I’m not talking about market opportunity, I’m talking about life opportunity. What is it that I really think I wanna do?”

She says personal finance specialists and financial planners are going to need to come to terms with the fact that, in a weird way, the pandemic made people feel they needed to take control over their lives in a more active way, and to advocate for their more immediate needs and wants. Now it’s okay to look at your career goals and your financial plans for retirement and all the rest of it and say … What about me? Where does my in-the-moment happiness fit into this?

Schlesinger has made big, bold shifts in her own life in the past: she gave up a lucrative financial planning career to become a writer, journalist, and podcaster — so she knows what’s at stake. But it was the experience of a friend of hers, Maureen, that really brought home to her the importance of understanding what the real motivations are for making changes in your life. And how to respond to them.

“Maureen was diagnosed with a very deadly cancer and she had a four month horrible illness and died on November 30th,” Schlesinger says. “Everyone has a momentous event that shakes up your life. Everybody does. And you feel the stress. You feel emotions I think even in myself as I went through that event with her, my own ability to understand how the choices we make matter, was amplified. And what I can tell you is that when you have the ability to plan in advance and use that to open up pathways for yourself, it’s really beneficial.”

Lighten up a little

Wild investing strategies have been around for as long as markets have existed, but the pandemic coincided with some of the craziest, including the meme stock explosion and the crypto craze. Schlesinger thinks this had much to do with people being locked down, without much to do, while there was a lot of money sloshing around the system.

“When I say a lot of money sloshing around the system, remember that we had trillions of dollars of excess savings that built up. Mostly that came from the upper, highest net worth people, but a lot of people were knowledge workers working at home who got stimulus checks and had a lot of time to futz around and had a few bucks in their accounts.”

She says the communities that fueled this kind of trading weren’t new, but they exploded during the pandemic, and they will likely diminish once COVID and its variants recede. But they won’t go away. And that’s okay. It’s even okay to spend some time on your choice of subreddit and surf the occasional meme stock or crypto asset wave. So long as you do it responsibly.

“I’m not constitutionally against people taking flyers,” Schlesinger says. “I mean, have fun, but don’t have fun and risk the farm. Have fun and say, ‘All right, I put 5% of my total investments in some crazy stuff. That’s fun.'”

In other words, personal finance doesn’t have to be all asset allocation, income optimization, estate planning and taxes. It can be fun too — if you choose. That’s a new rule that everyone can get down with. Jill Schlesinger’s new book is The Great Money Reset. It’s out now.

By: Paddy Hirsch

Source: How the pandemic changed the rules of personal finance : Planet Money : NPR

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Related contents:

How to use The Globe’s Personal Finance calculators in less than a minute The Globe and Mail

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Working In Retirement Often Is More A Dream Than Reality

Many older workers are not proactive about taking steps to help ensure they can work as long as they want or need, one expert said. (Photo: Getty Creative)

Many workers are staying on the job longer or plan to before going into their golden years. More retirees said they retired at ages 66-69, rising from 11% in 2021 to 14% in 2022, according to the latest annual survey by the Employee Benefit Research Institute (EBRI) and Greenwald Research.

And 7 in 10 workers expect to work for pay as a source of their retirement income, and 1 in 5 are counting on it as a major source, according to the EBRI poll. A growing percentage of workers say they will never retire – 15% in 2022, up from 10% in 2021, according to the EBRI survey.

Unfortunately, expectations of working in retirement can backfire. For workers who plan to work in some fashion for pay after they retire, that desire still appears to be more of a nice notion than a reality. Only 27% of retirees have employment income, according to the EBRI poll.

‘Sad commentary that health insurance has to be such a big factor’

That desire to remain employed is backed up by other recent surveys. More than half of workers (57%) plan to work in retirement citing a variety of reasons ranging from the income to keeping their brains alert, or the social connection, according to the most recent study by the nonprofit Transamerica Center for Retirement Studies.

The specter of soaring medical costs alone is stomach-churning. The average couple age 65 retiring this year and enrolled in Medicare may need approximately $315,000 saved (after tax) to cover healthcare expenses in retirement, according to the Fidelity Retiree Health Care Cost Estimate.

That’s what motivated Russ Eanes, an author, to get back in the workforce after retiring five years ago from his job as chief executive at MennoMedia, a book publisher. A year ago, he went back to work at GetSetUp, an interactive website that delivers virtual education to older adults.

The impetus: A steady paycheck and access to a health insurance plan.

“It’s a sad commentary that health insurance has to be such a big factor in these decisions,” Eanes told Yahoo Money.. “I’m on Medicare as of February, but my wife is a year behind, so we have to scramble to figure out how to have her covered for another year. While I was making out okay as a freelancer, it can be feast or famine.”

Older workers are not always ‘proactive’

But getting back to work or staying employed is not always easy, and in some cases, it can be the workers themselves who short-change their ability to stay on the job longer.

“Many 50+ workers are not proactive about taking steps to help ensure they can work as long as they want and need,” Catherine Collinson, CEO and president of nonprofit Transamerica Institute and Transamerica Center for Retirement Studies, told Yahoo Money. “Among those employed by for-profit companies, our research showed that only 62 % are focused on staying healthy so they can continue working and just 44% are keeping their job skills up to date.”

Only a small percentage are networking and meeting new people (16%), taking classes to learn new skills (12%), scoping out the employment market and opportunities available (10 %), attending virtual conferences and webinars (9%), or obtaining a new degree, certification, or professional designation (5 %), Collinson said.

Meantime, more than 2 in 5 workers expect a gradual transition to retirement, according to the EBRI survey.

In reality, “only a fraction of companies offer employees the option of a phased retirement,” Collinson said. “Our most recent employer survey finds 27% of employers offer a formal phased retirement program.”

Forced retirements

Even more troubling– nearly half of retirees retired earlier than they planned.

“Back-to-work plans can be upended by unexpected health challenges and caregiving demands,” Nancy Collamer, a retirement coach and author of “Second-Act Careers: 50+ Ways to Profit from Your Passions During Semi-Retirement,” told Yahoo Money.

The median expected retirement age for workers — age 65 — and the reported retirement age of retirees —age 62, according to the EBRI survey. Two-thirds said their early retirement was for a reason out of their control, such as a health problem or disability, company downsizing or reorganizations, or caregiving for a loved one.

Some of those reasons were amplified by the pandemic.

Since March 2020, 1.1 million more Americans between the ages of 55 and 74 retired earlier than what would have been expected during normal times, according to a recent report from The New School’s Schwartz Center for Economic Policy Analysis. The number of those who retired involuntarily a year after losing a job was 10 times higher than pre-pandemic times, the report found.

‘Beginning to feel the impact of inflation’

This trend may be shifting. As of March 2022, 3.2% of workers who were retired just one year ago are now employed again, according to research by Nick Bunker, the director of economic research at Indeed Hiring Lab.

One caveat: while the EBRI Retirement Confidence Survey was conducted as the inflation rate had already begun its rapid rise, and at that time, the majority of workers and retirees reported being confident that they had enough money to keep up with inflation in retirement, the economic picture is grimmer now.

With the inflation rate at 8.3% in April of 2022, down slightly from 8.5% in March, which was the highest since December of 1981, and the S&P 500 index off its January peak by 16.6%, that exuberance may be fading.

“Some workers are beginning to feel the impact of inflation, and the number is likely to grow,” Copeland said. “How the economy evolves over the next few months is likely to result in workers reconsidering where they stand regarding retirement. If inflation continues at historic rates and the stock market continues falling, more workers will be reevaluating their retirement plans.”

https://s.yimg.com/uu/api/res/1.2/k0mEoxgrd_Sb3B5ZGXas0w--~B/aD00ODA7dz00ODA7YXBwaWQ9eXRhY2h5b24-/https://o.aolcdn.com/images/dims?image_uri=https%3A%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2022-03%2F57a5f580-a3cd-11ec-b1fc-d323fa628773&compress=1&progressive=1&quality=75&client=hawkeye&signature=0a3ee751f5347042b1db35967bc33eb3c2ad9692.cf.webp

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Source: Working in retirement often is more a dream than reality

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How To Save Money As Inflation and Consumer Prices Rise

Prices for meats, poultry, fish and eggs rose 2.2 percent in September from the month before. (Justin Sullivan/Getty Images)

Like a guest who overstays his welcome, inflation is getting on our nerves. For people with enough income or savings, rising prices are just an annoyance. If you’re living paycheck to paycheck, inflation means a much harder time paying for food, gas and other items. It could mean skipped meals or late rental payments.

The latest inflation data, released by the Bureau of Labor Statistics, showed prices increasing 9.1 percent over the same period a year ago. Increases in prices for housing and energy — fuel, oil, gasoline, and electricity — were the largest contributors to the uptick. The higher cost of food also drove inflation.

“Inflation has been a surprising and unwelcome guest seeming to persist at an elevated level at a time when we’re all hoping to put the devastating economic impacts of the pandemic behind,” said Mark Hamrick, senior economic analyst for Bankrate. “Like the pandemic-caused downturn itself, it exacerbates wealth and income inequality. The wealthy can adjust. Those on lower incomes, not so much. It is as if some people just can’t catch a much-needed break.”

Predictions last year that rising prices might be temporary were wrong. So, until things stabilize, here’s how to handle increases in consumer prices.

Five charts explaining why inflation is at a near 40-year high

What changes should I make to my budget to beat inflation?

Coping with inflation comes down to reviewing how you spend your money. Even if you’ve cut until it hurts, you’re going to have to look for additional trims.For instance, could you take in a roommate or move in with someone to reduce your housing costs?

No, the housing market isn’t in a bubble. But there still are many things to worry about in 2022.

Obvious places to cut are eating out, streaming services and unnecessary car trips. When was the last time you looked at your mobile plan?Use apps and the Internet to find lower prices, including for gasoline.

“When prices aren’t changing all that much, people may be inclined to invest less of their time shopping, thinking that it might not make all that much of a difference,” Hamrick said. “Think of shopping right now as investing time to find better deals.”

Supply-chain disruptions continue to push consumer prices up. One way to cope is to put off unnecessary purchases until supply issues are resolved and prices go down. “Whether it’s an updated iPhone or another piece of clothing to mostly hang in the closet, most Americans simply consume more than they need to,” Hamrick said.

Is there anything I can do to reduce my food costs?

In an inflationary environment, substitutions can be your financial friend.

Here’s why your food prices keep going up

Food prices have been rising largely because of weather-related shortages, transportation issues and lack of staffing. Meat and fish prices are going up faster than vegetable prices, so take that into consideration in your at-home meal planning.Hamrick said he went shopping to make crab cakes and saw that the price for crabmeat was up 50 percent.

“I bought chicken thighs and cooked them at a fraction of the price,” he said. “Now’s the time to try to spend time when possible preparing meals at home, using lower-cost items as much as possible.”

Four ways Americans are feeling inflation

Should I change how I invest for retirement?

Inflation doesn’t really change what you should have been doing all along, which is diversifying, said Carolyn McClanahan, a certified financial planner who founded the fee-only Life Planning Partners, based in Jacksonville, Fla.

“Through thick and thin, the best way to prepare for any economic environment is to have a diversified portfolio,” McClanahan said. “If you aren’t already practicing diversification, now is the time to make that change.”

If you’re an ultraconservative saver who has shied away from stocks because you’re scared of the stock market, you might want to consider that inflation is also a risk. If you don’t at least keep pace with inflation, you’re losing the purchasing power of your money.

“Where interest rates are right now, investors need to take on slightly more risk to get a return that may beat inflation,” said Ben Bakkum, quantitative investing associate at the digital adviser firm Betterment.

Inflation is soaring. Time to rethink your emergency savings.

Is there anything I can do to take advantage of inflation?

If you have some cash that you don’t think you’ll need for a while, consider purchasing bonds, McClanahan recommends.Inflation-indexed Series I savings bonds, which are issued by the Treasury Department, allow investors to earn a combination of a fixed interest rate and the rate of inflation, adjusted semiannually.

The composite rate for I bonds issued from May through the end of Oct. is now 9.62 percent, a portion of which is indexed to inflation every six months. To buy and own an electronic I bond, you must establish a TreasuryDirect account. Go to treasurydirect.gov.

6 key things to know about inflation-indexed bonds paying 9.62 percent

Is there any good news about inflation?

If you receive Social Security or Supplemental Security Income benefits, you’ll see your payments go up because of rising consumer prices. The Social Security Administration announced a 5.9 percent benefit increase for 2022.

Social Security benefits to rise 5.9 percent for roughly 70 million people in 2022

And, if inflation relents next year, which some believe is possible as supply chains normalize, Social Security recipients will continue to get the higher payments anyway, Hamrick said.

Additionally, one of the few potentially beneficial effects of inflation will be that the Federal Reserve may well lift benchmark rates sooner rather than later, and more than previously believed, he said. That’s welcome news for savers. “Previously miserly returns on savings should begin to rise,” Hamrick said.

What scaremongering about inflation gets wrong

It’s hard not to panic about inflation when your paycheck doesn’t go as far as you need. Still, keep things in perspective. It’s not the 1970s, when prices skyrocketed. “Recent headlines about increasing inflation have been alarming, but inflation itself is not abnormal if it’s not out of control,” Bakkum said.

By

Source: How to save money as inflation and consumer prices rise – The Washington Post

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What changes should I make to my budget to beat inflation?

Is there anything I can do to reduce my food costs?

Should I change how I invest for retirement?

Is there anything I can do to take advantage of inflation?

Is there any good news about inflation?

Brazil reduces to 5.85% official inflation forecast for 2022 The Rio Times

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Britain’s justice spending to lag inflation Law Society of Ireland Gazette
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