03046cam a2200409 i 450000100090000000300080000900500170001700700030003400800410003701000170007802000470009502000440014204000280018604200080021404300120022205000230023408200170025710000320027424501420030626000640044826400630051230000430057533600260061833700280064433800270067250400670069950501340076652014530090065000360235365000290238965000380241865000380245665000320249465000470252670000370257370000260261018220023BJBSDDR20231107145115.0ta140710s2014    enka     b    001 0 eng    a  2014024776  a9780190218898 (hardcover : acidfree paper)  a0190218894 (hardcover : acidfree paper)  aDLCbengcDLCerdadDLC  apcc  an-us---00aHD 7125bE47f 201400a331.25/209731 aEllis, Charles D., d1937- 10aFalling short :bthe coming retirement crisis and what to do about it /cby Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth.  aOxford ; aNew York, NY : bOxford University Press,c2014. 1aOxford ;aNew York, NY :bOxford University Press,c[2014]  a159 pages : billustrations ; c22 cm.  atextbtxt2rdacontent  aunmediatedbn2rdamedia  avolumebnc2rdacarrier  aIncludes bibliographical references (pages 147-156) and index.0 aIntroduction -- How did we get here? -- How big is the problem? -- What can we do as individuals? -- What can we do as a nation?.  aThe United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their standard of living in retirement. Solving the problem is a major challenge in today's environment, in which risk and responsibility have shifted from government and employers to individuals. For this reason, the authors have written this concise guide, grounded in sound research yet written in a highly accessible style, for anyone concerned about their own--and the nation's--retirement security. The authors provide a vivid picture of the retirement crisis in America. They offer the necessary context for understanding the nature and size of the shortfall, which is caused by both increasing income needs--due to longer lifespans and rising health costs--and decreasing support from Social Security and employer-sponsored pension plans. The solutions are to work longer and save more by building on the existing retirement system. To work longer, individuals should plan to stay in the labor force until age 70 if possible. To save more, policymakers should shore up Social Security's long-term finances; make all 401(k) plans fully automatic, with workers allowed to opt out; and ensure that everyone has access to a retirement savings plan. Individuals should also recognize that their house is a source of saving, which they can tap in retirement through downsizing or a reverse mortgage- 0aSocial securityzUnited States. 0aPensionszUnited States. 0aRetirement incomezUnited States. 4aSeguridad socialzEstados Unidos  4aPensiones zEstados Unidos  4aIngresos de jubilación zEstados Unidos 1 aMunnell, Alicia Haydock, d1942-1 aEschtruth, Andrew D.