인구 고령화와 은퇴 위기: 앞으로의 재정적 과제

### 증가하는 은퇴 위기: 인구 고령화와 재정적 어려움
* 👵 올해는 **65세가 되는 인구가 사상 최대치**를 기록했으며, 이러한 추세는 계속될 것으로 예상되어 수십 년 동안 우려되어 온 인구 고령화 문제가 더욱 부각될 것으로 보입니다.
* 📉 안타깝게도 많은 가정이 **인플레이션, 투자 부진, 금융 지식 부족**으로 인해 심각한 은퇴 저축 격차에 직면해 있습니다.
* 💔 은퇴를 앞둔 개인 중 **20% 이상이 저축이 전혀 없으며**, 수백만 명이 경제적 여유가 없음에도 불구하고 은퇴를 강요당하고 있어 사회적으로 우려스러운 상황입니다.
* 📊 은퇴 소득 연구소의 연구에 따르면 현재와 2030년 사이에 **3천만 명의 미국인이 은퇴**할 것이며, 이 중 절반 이상이 **25만 달러 미만의 자산**을 가지고 소셜 시큐리티에 크게 의존할 것으로 예상됩니다.
* 🔍 고령 근로자의 고용 시장은 점점 더 어려워지고 있으며, 많은 근로자가 해고되고 새로운 일자리를 구하기 어려워 **비자발적 퇴직**으로 이어지는 경우가 많습니다.
* 👨 고령 부모를 돌보는 부담은 **저소득층 가구에 불균형적으로 가중**되고 있으며, 이는 **재정적 안정과 개인 관계에 모두 영향을 미치는 악순환**을 낳고 있습니다.
* ⚠ 암울한 전망에도 불구하고 정책 입안자들은 **직장 생활 연장을 장려**하고 개인은 이 위기를 극복하기 위해 **은퇴를 위한 저축에 우선순위**를 두어야 하는 등 해결책은 여전히 찾기 어렵습니다.
* 📧 최신 정보를 얻고자 하는 분이라면 **뉴스레터를 구독**하면 이러한 어려움 속에서 재정 관리에 대한 귀중한 인사이트를 얻을 수 있습니다.

고령화 인구는 재정적 불안에 직면하고 있으며, 많은 사람들이 적절한 저축 없이 조기 은퇴를 해야 하는 상황에 처해 있습니다.

I don't know if you've noticed this, but everybody is getting old this year. A record number of people will be turning 65, and the next year that record will be broken again. We have been warned about aging populations for decades now, and now it's actually happening. Unfortunately, the savings retirement gap for millions of households is wider than it has ever been, and people's assets have been eaten up by inflation, bad investments, and good old-fashioned financial illiteracy. Over 20% of the people on the cusp of retirement have no savings at all, but that isn't stopping them. Millions of people across the world can't afford to retire, and they're doing it anyway. So what the does this mean for everybody else? Baby boomers leaving their homes either because they're moving to assisted living centers or they're just no longer living. In the last 10 years, Milwaukee County saw a 22% increase of older residents. In their 50s are generally at peak earning potential, yet more than half worry they'll run out.

of money in retirement. Is this the retirement that you imagined? No, no. Earlier this year, the Retirement Income Institute released a commissioned study on retirement savings, and I can't overemphasize how much I love the name of this report: Peak Boomers Impact Study. It found that between this year and 2030, 30 million Americans will retire, representing almost a fifth of the total labor force. The study focused primarily on how those retirees plan to fund their retirement, and the results were grim. More than half of the study group had less than $250,000 in assets, including their home, if they had one, and that group would rely on Social Security as their primary or exclusive source of income in retirement. Now, this study was conducted by independent researchers, but it was funded by a group that wants to sell annuities to people planning their retirement, so some of their recommendations need to be taken with more than a bucket of salt. However, the study group of retirees getting too old to work are just one part of the larger

group deciding that right now is a pretty good time to retire. A study by Pew Research has found that the largest wave of retirement has already happened as people step back from the workforce during COVID-19, assisted by a combination of record low interest rates, generous stimulus measures, redundancy packages, record asset prices, and a general motivation to not go back into a plague-infested office. This is far from a uniquely American trend; in fact, we are actually behind a lot of countries that are both older than us and have better support systems for people in their old age. On top of hitting peak rumor, there are less typical retirees: a growing number of independently wealthy young people who are pursuing financial independence, where investment returns from their assets are enough to fund their lifestyle indefinitely. And on the other end of the spectrum, there are people just giving up on working and are scraping by on family support, government assistance, or jobs in the informal economy. These people aren't the typical demographic of retirees, but they are still adding to the record trend and

they are all paying for this major financial decision in slightly different ways. The first way is that they just aren't. People don't always make entirely rational financial decisions, whether it's buying a car in an 84-month finance deal, racking up credit card debt to buy luxury goods, or just not understanding the importance of saving and investing. There is no shortage of people doing really dumb things with their money. You are watching a channel that gives weekly depressing lectures on the state of the financial system, business trends, and the economy, so all of you are probably far more financially literate than the average person. And even then, you have probably made some dumb money mistakes. People deciding to quit their jobs often aren't thinking entirely rationally, and more people are just as setting that if they are going to be screwed financially in their old age, they would at least like to enjoy a few years while they still have their health and worry about finances once they are too old for it to be their problem. For some people, the decision is made for them: layoffs.

Nationwide has hit people approaching retirement age particularly hard. According to a survey conducted by the Trans America Center for Retirement Studies, most Americans are retiring 5 years earlier than they expected. While this sounds like it's giving people more years to enjoy themselves, the reality is that it's giving people fewer years to save and more years to cover, and this is almost entirely involuntary. According to a study published by ProPublica, since 2016, 56% of workers over the age of 50 lost their job involuntarily, meaning they either got fired, made redundant, or laid off. Now, that might not sound too bad, but you have to remember that a lot of people over the age of 50 are choosing to leave their job because they are retiring on their own terms. So, the majority being let go is pushing a lot of people out of work. Once they are out, older people are finding it much harder to find a job, especially ones that pay as well as the jobs they were laid off from. Companies don't want to hire older people because

They think that they can't use computers. They aren't going to be able to do physical work for as long as young workers in non-office jobs. And there is the not-so-secret reality that older workers are normally less easy to take advantage of than younger workers with their whole career ahead of them. It's technically not legal to discriminate against workers over the age of 40, although this law does not protect against discriminating against people under the age of 40. But that's a whole separate issue. It doesn't matter anyway because any half-competent hiring manager or human resources department could find a reason for hiring a young worker instead of an over-50 worker. And this all means the same thing: if people lose their jobs over the age of 50, they are almost forced into retirement, whether they can afford it or not. So, it's time to learn how money works to find out what this means for everybody else supporting a growing group of people who can't support themselves. This week's lesson is sponsored by CookUnity.

here's how it usually works: potential sponsors reach out to me. I try their product and then decide if I want to work with them. This time, though, it's a little different. I've actually been using Cook Unity for a while now, and I loved it so much that I was excited to partner with them. Cook Unity makes it easy and effortless. You can pick a subscription plan and choose from hundreds of meals each week, all crafted by award-winning chefs. Don't have time to choose? No worries. Cook Unity can curate meals based on your preferences. Cook Unity's roster of All-Star chefs includes Food Network alums, James Beard award winners, and acclaimed restaurateurs. Their meals come fully cooked, so you just heat them up. You can choose between 4 to 16 meals per week, and the plans are super flexible. You can skip weeks, pause, or cancel any time. Subscriptions start as low as $1 a meal, which is a steal for restaurant-quality food. For example, I'm enjoying the Korean flank steak rice bowl by Esther Choy.

absolutely incredible. Honestly, it feels like having a personal chef that changes daily based on your cravings. Go to cookunity.com/moneyi or click the link in the description and use my code moneyi to get 50% off your first order of Cook Unity meals to try them out for yourself. The topic of what to do with aging populations in countries across the world is something that is keeping a lot of policymakers up at night. People are living longer and having fewer children, which means more pressure is going to be put on a smaller group of young people or elderly people are going to have to make do with less. Of course, a lot of baby boomers are independently very wealthy as they have enjoyed a high level of job security and incredible asset price appreciation over their working careers. A typical white-haired couple driving a golf buggy around a gated Floridian retirement village might be the first thing you think of when you think of boomer retirees, but these people are far from the average. People of retirement age own more than half of the wealth of

the country, but that wealth is spread even more unevenly than it is over the general population. There are some extremely wealthy Baby Boomers, a small group of Boomers who will be able to comfortably fund a nice retirement, and millions who are fighting for What Little is left. The question is really about what happens when this group just can't work anymore. A study by the Stanford Center on Longevity found that even though Baby Boomers are the wealthiest generation in history as a whole, they are still facing tougher retirement conditions on an individual basis than their parents did. Some countries are pushing back retirement ages to squeeze a few more years of work out of people before they can receive a government pension or access their advantage retirement savings accounts. Statistically, most of you watching this video are either at the peak of your career or are only just starting, which is why we have covered the problems you are likely to face if you don't already have a solid plan to retire. But even if pushing back retirement benefits is a necessary evil, it's going to be a hard

sell retiring baby boomers are a large group, and they vote. The very mention of them needing to work a few more years is borderline political suicide. Most plans here in America center around pushing back retirement for young people who aren't close enough to retirement yet to care. Whatever the plan is, it's not being helped by the millions of people who are dropping out of the workforce, so the compromise is that the payments are stretched thinner. According to Census Bureau data, poverty rates amongst people over 65 have been on the rise, as government programs haven't been able to keep up with general inflation and certainly haven't kept up with the spiraling costs for age healthcare and senior living. If people do re-enter the workforce, it's normally into low-wage jobs that only help support other payments. A study conducted by the American Society of Aging found that a fifth of older workers were making less than $15 an hour, and that included people between 55 and 65 who should be at the penultimate years of their career.

the authors of this study also pointed out that a lot of this low-wage work is intense routine and almost always highly monitored in situations where a person controls neither the pace nor content of their work. Now, you probably don't need an institutional study to tell you that minimum wage jobs are hard, but they are even harder on old people with deteriorating health, which means it could be hard for them to keep this work even if they really need it. When this happens, the last line of support becomes relying on their adult children for care. Now, the idea of your parents moving back in with you might be terrifying enough, but the burden of being a caregiver to elderly parents is disproportionately falling on lower-income households. Lower-income households are less likely to be able to save adequately for retirement and are more likely to have children that are also low-income. When those parents start requiring care from their children, it can impact relationships, career growth, or even how many hours the adult child can put into their work. Additionally, a dependent parent might be

a direct financial burden if their assistance payments don't cover their expenses. This means the children are going to be less likely to save for their own retirement, creating a vicious intergenerational cycle. So, what was supposed to be a feel-good story about millions of people leaving behind the 9 to 5 has turned into a lecture about the grim financial landscape that millions of people are forced to contend with. Welcome to this channel. By now, you should know what you have signed up for. But what can be done about this as a society? Not much, unfortunately. A lot of incredibly smart people are tackling the problem of aging populations, and the solution so far has been to get people to work longer and live on less individually, though you need to assume that there is not going to be anything there to support you when you are too old to work. Pensions are already strained, and if you have a few decades left in the workforce, there really is no guarantee it will exist at all for you. And if it does, it's probably

only going to be enough to cover the bare necessities, if that. So, try to set something aside in a 401k or whatever the equivalent is in your respective countries. It's basic stuff, but when so many people cannot or will not do the basics, it could put you a long way ahead. Now, this only applies to elderly retirees. This problem is being made much worse by the millions of people leaving the workforce decades before they would normally retire. Go and watch my video on why millions of men are simply choosing not to work and how they are surviving without even any of the supports available to regular retirees. And don't forget, if you want to get these videos a day early and stories that will never go up here on YouTube, subscribe to my email newsletter to keep on learning how money works.

People Can't Afford to Retire... Millions Are Doing It Anyway

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인구 고령화 및 은퇴 트렌드의 영향

올해 기록적인 수의 사람들이 65세가 되며, 인플레이션, 잘못된 투자, 금융 문맹으로 인해 은퇴 저축 격차가 그 어느 때보다 커지고 있습니다.

은퇴가 임박한 사람들 중 20% 이상이 저축이 없는데도 수백만 명이 여전히 직장을 떠나고 있습니다.

은퇴소득연구소의 연구에 따르면 2030년까지 3,000만 명의 미국인이 은퇴할 것이며, 그 중 절반 이상이 자산이 25만 달러 미만이고 소득을 소셜 시큐리티에 의존할 것으로 예상됩니다.

많은 사람들이 비합리적인 재정적 결정을 내리고, 이로 인해 실수를 저지르거나 예기치 않은 직업 변경을 겪는 경우가 많습니다.

팬데믹은 50세 이상의 근로자에게 불균형적으로 영향을 미쳤으며, 많은 사람들이 비자발적으로 일자리를 잃고 새로운 일자리를 찾는 데 어려움을 겪고 있습니다.

이러한 추세로 인해 고령 근로자들이 계획보다 일찍 은퇴를 하게 되면서 스스로를 부양할 수 없는 사람들이 늘어나고 있습니다.

인구 고령화의 영향과 쿡 유니티의 급식 서비스

Cook Unity는 수상 경력에 빛나는 셰프가 직접 조리한 식단을 제공하는 유연한 식사 구독 서비스를 제공하여 고객이 쉽게 식사를 선택하거나 큐레이션할 수 있도록 지원합니다.

노인을 부양할 젊은 층이 줄어들고 베이비붐 세대의 부의 불평등이 심화되면서 인구 고령화가 정책 입안자들의 주요 관심사로 떠오르고 있습니다.

많은 국가에서 은퇴 자금 문제를 해결하기 위해 은퇴 연령을 앞당기고 있지만 은퇴 후 어려운 상황에 직면한 개인에게는 이러한 접근 방식이 어려울 수 있습니다.

은퇴하는 베이비붐 세대가 직면한 과제

은퇴하는 베이비붐 세대는 중요한 유권자 집단으로, 이들에게 더 오래 일하라고 제안하는 것은 정치적으로 위험합니다.

65세 이상의 빈곤율은 정부 프로그램의 미흡과 의료비 증가로 인해 증가하고 있습니다.

많은 고령 근로자들이 유지하기 어려운 저임금 일자리로 내몰리면서 성인 자녀에게 돌봄을 의존하게 되고, 이는 저소득 가구에 불균형적인 영향을 미칩니다.

인구 고령화에 따른 재정적 어려움

지원금은 종종 충분하지 않아 재정적 부담과 은퇴를 위한 저축을 하지 못하는 악순환으로 이어집니다.

고령화 문제에 대한 해결책은 더 오래 일하고 개인의 검소함을 장려하는 것이지만, 연금은 부담스럽고 불확실합니다.

이 문제는 수백만 명의 조기 퇴직으로 인해 더욱 악화되어 퇴직자와 기존 직장을 그만두는 사람들 모두에게 어려운 상황을 초래하고 있습니다.