cover of episode Ep 450: What Are You Doing With Your Next 50 Years?

Ep 450: What Are You Doing With Your Next 50 Years?

2024/11/20
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky
AI Deep Dive AI Chapters Transcript
People
D
Deb Whitman
J
Jean Chatzky
Topics
Jean Chatzky 指出，由于现代医学的进步，女性的平均预期寿命显著延长，需要重新规划退休生活，储蓄和投资的时间也需要相应延长，以应对更长的退休期。她强调女性需要为三到四个甚至更长时间的退休生活做好准备。 Deb Whitman 则深入探讨了女性在退休规划中面临的独特挑战。她指出，女性的平均寿命长于男性，但她们的收入普遍较低，且承担了更多的家庭护理责任，这导致她们在退休时拥有更少的储蓄。她呼吁重新思考社会对护理工作的价值，并倡导薪酬公平，以减少女性在财务方面的劣势。她还强调了长期护理的高昂成本，以及个人难以应对这一挑战的现实，呼吁完善社会保障体系，为老年人提供更全面的支持。她建议女性积极参与到社会变革中，推动政策的改变，以改善女性在退休规划中的困境。她还鼓励女性积极参与终身学习，以保持竞争力，并为更长的职业生涯做好准备。 Deb Whitman 认为，女性在退休规划中面临诸多挑战，例如收入差距、护理责任和长期护理成本高昂等。她建议女性积极参与社会变革，推动政策的改变，以改善自身处境。她还建议女性积极参与终身学习，以保持竞争力，并为更长的职业生涯做好准备。她强调，积极的生活方式和积极的心态对健康和长寿至关重要，并建议女性关注健康，保持积极乐观的心态。

Deep Dive

Chapters
Deb Whitman discusses the concept of the 'second fifty' and how modern medicine and societal changes have extended life expectancy, particularly for women. She shares personal anecdotes and insights from her book 'The Second Fifty'.
  • Modern medicine and societal changes have extended life expectancy.
  • Women now have a 15% chance of living to 100.
  • The 'second fifty' refers to the period after the first 50 years of life, which can be rich and purposeful.

Shownotes Transcript

Thanks to modern medicine, the average life expectancy has been on the rise for decades now, and women now have as much as a 15% chance of making it to their 100th birthday.

So while our parents may have planned for closer to 20 years in retirement, we need to save and invest for closer to three or even* four decades. Deb Whitman, Chief Public Policy Officer at AARP and author of “The Second Fifty”)* **joins us to talk about how to prepare financially, and otherwise, for the second half of our lives. 

CHAPTERS:

**00:00 **What is the “second fifty”?

06:00 Why women need to financially prepare to live longer than men

13:00 Rethinking partial retirement and lifelong learning 

23:00 Positive perspectives on aging

**26:00 **Mailbag Question 1: I’m about to inherit a significant amount of money, how should I invest it? 

29:00 Mailbag Question 2: I’m 62, am I on track to retire and continue to travel the way I want to? 

TAKEAWAYS:

  • With women potentially reaching an average life expectancy of 90+ years by 2039, we need to save for a longer retirement. This requires proactive financial planning.

  • Midlife is a time of new opportunities rather than decline. 

  • Lifelong learning, career changes, and “encore careers” keep people engaged, purposeful, and financially prepared in midlife and beyond.

Learn more about our Finance Fixx program here). Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com).

Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe)!

The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit* PlanEFE.com/HerMoney*).

Please contact* [email protected]*)* if you would like to advertise on our podcast, and to learn more about Airwave, head to** *)www.airwavemedia.com).

Learn more about your ad choices. Visit megaphone.fm/adchoices)