Start early, invest boldly: two simple 401(k) habits that can help set new grads up for a lifetime of financial security.
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Start early, invest boldly: two simple 401(k) habits that can help set new grads up for a lifetime of financial security.

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Neal K. Shah, the founder of CareYaya, a company that links students in the healthcare field with seniors needing assistance, has some strong opinions about elder care in the United States. The word Yaya means ‘grandmother’ in Greek and ‘caregiver’ in Swahili and Thai. As an acronym, it also means ‘You Are Your Advocate.’
Those who work with advisors may find those relationships becoming richer and more proactive. Those who prefer a DIY approach may find better tools than ever to help them navigate the road ahead. Either way, AI can help people arrive at retirement with more financial security and confidence.
Agency care offers safeguards such as a selective screening process and rigorous safety standards.
The brief’s key findings are:
Understanding how long we might live can affect our retirement decisions, but many people underestimate their odds of living to older ages.
This study tested whether providing simple information could help improve people’s estimates of reaching older ages.
The intervention was quite effective for about a quarter of participants, specifically those who rely on experts to inform their thinking.
But the intervention was ineffective for the many participants who rely on their parents’ experience, so more research is needed on how to help them.

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The brief’s key findings are:
When COVID hit, it sharply reduced employment rates for older workers, raising concerns that many might be forced into early retirement.
However, accounting for population aging, employment for workers ages 55+ has fully rebounded to match pre-COVID trends.
This return to normal, though, masks some surprising differences by demographic groups – those initially hit hardest by COVID have more than recovered.
Specifically, Black and Hispanic individuals are working more than before COVID, while White workers and college graduates are working a bit less.
Creative solutions to senior housing could combat loneliness, provide greater support, and better align with the needs of an aging population.
The brief’s key findings are:
Headlines that focus on the exhaustion of Medicare’s Hospital Insurance trust fund miss the big picture.
The real problem is that Medicare, overall, costs a lot. And, if constraints on its payments to hospitals and doctors are eased, it will cost even more.
One reason is that Medicare operates within the very expensive U.S. healthcare system, which costs twice as much as those in other countries.
Another reason is Medicare Advantage plans, which now cover more than half of beneficiaries, cost 20 percent more per recipient than traditional Medicare.
Medicare can’t fix the nation’s healthcare system, but reducing overpayments to Advantage plans should be high on its agenda.
Our summer newsletter features research on pension participation, rising Social Security claiming ages, and a new model for senior housing.
The brief’s key findings are:
The 2025 Trustees Report shows a modest increase in Social Security’s 75-year deficit, while the depletion date for the retirement trust fund remains at 2033.
The prospect of a 23-percent benefit cut only 8 years away should focus our attention on restoring balance to the program.
It’s important to note that these current estimates are based on the Trustees’ intermediate assumptions, which are not a sure thing.
Indeed, the deficit could well end up higher if the fertility rate remains low, millions of immigrants are deported, and people live longer than expected.
Even in this case, though, many revenue and benefit options are available to close the gap. All that is needed is the political will.

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The brief’s key findings are:
Layoffs hurt all workers, but does the pain vary by race?
The analysis uses administrative data to see how the long-run earnings of displaced workers fared during three different recessions.
In the long run, Black and White displaced workers both have earnings roughly 30-40 percent lower than their same-race counterparts who were not laid off.
Though the impact of layoffs is similar, Black workers start with lower earnings, see slower earnings growth, and are more likely to lose a job in the first place.
Factors such as marital status, education, race, and health can offer insight on how to plan for future care needs and costs.
Marylou Sudders, a former health and human services director, recounts the challenges she faced in office.
Social safety net programs — particularly the Earned Income Tax Credit — support workers and decrease their reliance on disability benefits.

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Employer health plan costs have plateaued as more low-income workers have opted out of coverage, reducing the pressure on wages.
A 1990s reform that toughened eligibility threatens not only the cash benefits but the Medicaid insurance that comes with it.