Teresa Ghilarducci's Books

Work, Retire, Repeat

The Uncertainty of Retirement in the New Economy

By: Teresa Ghilarducci

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Work, Retire, Repeat

The Uncertainty of Retirement in the New Economy

By: Teresa Ghilarducci

A damning portrait of the dire realities of retirement in the United States—and how we can fix it. While the French went on strike in 2023 to protest the increase in the national retirement age, workers in the United States have all but given up on the notion of dignified retirement for all. Instead, Americans—whose elders face the highest risk of poverty compared to workers in peer nations—are fed feel-good stories about Walmart clerks who can finally retire because a customer raised the necessary funds through a GoFundMe campaign. Many argue that the solution to the financial straits of American retirement is simple: people need to just work longer. Yet this call to work longer is misleading in a multitude of ways, including its endangering of the health of workers and its discrimination against people who work in lower-wage occupations. In Work, Retire, Repeat, Teresa Ghilarducci tells the stories of elders locked into jobs—not because they love to work but because they must. But this doesn’t need to be the reality. Work, Retire, Repeat shows how relatively low-cost changes to how we finance and manage retirement will allow people to truly choose how they spend their golden years.

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277

Publisher

University of Chicago Press

Published Date

ISBN 10

0226831477

ISBN 13

9780226831473

When I'm Sixty-Four

The Plot against Pensions and the Plan to Save Them

By: Teresa Ghilarducci

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When I'm Sixty-Four

The Plot against Pensions and the Plan to Save Them

By: Teresa Ghilarducci

A crisis is looming for baby boomers and anyone else who hopes to retire in the coming years. In When I'm Sixty-Four, Teresa Ghilarducci, the nation's leading authority on the economics of retirement, explains how to confront this crisis head-on, revealing the causes behind the increasingly precarious economics of old age in America and proposing a bold plan to guarantee retirement security for every working citizen. Retirement is one of the hallmarks of a prosperous, civilized market economy. Yet in America today Social Security is on the ropes. Government and employers are dismantling pension security, forcing older people to work longer. The federal government spends billions in exemptions for 401(k)s and other voluntary retirement accounts, yet retirement savings for most workers is falling. Ghilarducci takes an unflinching look at the eroding economic structure of retirement in America--and what she finds is alarming. She exposes the failures of pension regulators and the false hopes of privatized Social Security. She tells the ugly truth about risky 401(k) plans, do-it-yourself retirement schemes, and companies like Enron that have left employees without any retirement savings. Ghilarducci puts forward a sweeping plan to revive the retirement-income system, a plan that will ensure that, after forty years of work, every American will receive 70 percent of their preretirement earnings, guaranteed for life. No other book makes such a persuasive case for overhauling the pension and Social Security system in order to provide older Americans with the financial stability they have earned and deserve.

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Page Count

386

Publisher

Princeton University Press

Published Date

ISBN 10

069117802X

ISBN 13

9780691178028

Labor's Capital

The Economics and Politics of Private Pensions

By: Teresa Ghilarducci

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Labor's Capital

The Economics and Politics of Private Pensions

By: Teresa Ghilarducci

This examination of the 120-year-old American system of privatized social insurance reveals that the system fails to provide adequate retirement income security, its most prominent goal, and, in fact, its greatest influence is in supplying funds to U.S. capital markets.

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Page Count

244

Publisher

MIT Press

Published Date

ISBN 10

0262071398

ISBN 13

9780262071390

How to Retire with Enough Money

And How to Know What Enough Is

By: Teresa Ghilarducci

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How to Retire with Enough Money

And How to Know What Enough Is

By: Teresa Ghilarducci

Here is a single-sit read than can change the course of your retirement. Written by Dr. Teresa Ghilarducci, an economics professor, a retirement and savings specialist, and a trustee to two retiree health-care trusts worth over $54 billion, How to Retire with Enough Money cuts through the confusion, misinformation, and bad policy-making that keeps us spending or saving poorly. It begins with acknowledging what a person or household actually needs to have saved—the rule of thumb is eight to ten times your annual salary before retirement—and how much to expect from Social Security. And then it delivers the basic principles that will make the money grow, including a dozen good ideas to get current expenses under control. Why to “get rid of your guy”—those for-fee (or hidden-fee) financial planners that suck up valuable assets. Why it’s always better to pay off a loan or a mortgage. There are no gimmicks, no magical thinking—just an easy-to-follow program that works.

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Page Count

145

Publisher

Workman Publishing

Published Date

ISBN 10

0761186131

ISBN 13

9780761186137

When I'm Sixty-Four

The Plot against Pensions and the Plan to Save Them

By: Teresa Ghilarducci

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When I'm Sixty-Four

The Plot against Pensions and the Plan to Save Them

By: Teresa Ghilarducci

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386

Publisher

Princeton University Press

Published Date

ISBN 10

069117802X

ISBN 13

9780691178028

Labor's Capital

The Economics and Politics of Private Pensions

By: Teresa Ghilarducci

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Labor's Capital

The Economics and Politics of Private Pensions

By: Teresa Ghilarducci

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244

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MIT Press

Published Date

ISBN 10

0262071398

ISBN 13

9780262071390

Work, Retire, Repeat

The Uncertainty of Retirement in the New Economy

By: Teresa Ghilarducci

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Work, Retire, Repeat

The Uncertainty of Retirement in the New Economy

By: Teresa Ghilarducci

The issue of the future of Social Security, on which millions of Americans depend, produced great political theater at the State of the Union address. That highlighted a bigger problem of financing retirement as baby boomers seek to retire, often with limited resources. Many argue that the solution to the problem is for people to work longer. Teresa Ghilarducci, a noted expert on retirement, argues that the "working longer" idea is wrong, unnecessary, and discriminates against people who work in lower wage occupations. Ghilarducci pushes for a national plan to finance retirement that would draw on contributions by both employers and employees to replace our privatized and ramshackle personal retirement system and make changes in the tax system that supports Social Security to give people a real choice whether to retire or continue to work in their later years. This book tells the stories of people locked into jobs later in life not because they love to work but because they must work. She demonstrates how relatively low-cost changes in the way we manage, and finance retirement will enable people in their so-called "golden years" to choose how to spend their time. Ghilarducci has a good public platform, writes for Bloomberg and other outlets, and is passionate about her ideas and reaching as broad a public as possible. The book is for the growing number of people in the public and policy community who are worried about their retirement and engaged in the renewed debate about Social Security and Medicare"--

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277

Publisher

University of Chicago Press

Published Date

ISBN 10

0226831469

ISBN 13

9780226831466

Rescuing Retirement

A Plan to Guarantee Retirement Security for All Americans

By: Teresa Ghilarducci,Tony James

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Rescuing Retirement

A Plan to Guarantee Retirement Security for All Americans

By: Teresa Ghilarducci,Tony James

Retirement shouldn’t be just for the rich: “Finally, a practical plan to address Americans’ lack of adequate retirement savings.”—Michael Bloomberg Everyone deserves to be able to retire with dignity, but this core feature of the social contract is in jeopardy. Companies have swerved away from pensions, and most of the workforce has woefully inadequate retirement savings. If we don’t act to fix this broken system, rates of impoverishment for senior citizens threaten to skyrocket, and tens of millions of Americans reaching retirement age in the coming decades will be forced to delay retirement and will experience a dramatic drop in their standard of living. In Rescuing Retirement, economist Teresa Ghilarducci and billionaire businessman Tony James offer a comprehensive yet simple plan to help workers save for retirement, increase retirement savings by earning higher returns, and guarantee lifelong income for everyone. Built on people’s own money in individual Guaranteed Retirement Accounts, the plan requires no new taxes, no more bureaucracy, and no increase in the deficit. Speaking to Americans’ growing anxiety about their ability to retire, Rescuing Retirement provides answers to anyone wanting to understand the growing movement to protect a period of life once considered a deserved time of rest and creativity and offers a practical guide to the future of secure retirement. “Ghilarducci and James never slip into wonk-speak or jargon, and lay readers will appreciate the way the authors make sense of complex economic issues.”—Publishers Weekly

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Page Count

177

Publisher

Columbia University Press

Published Date

ISBN 10

0231546270

ISBN 13

9780231546270

How to Retire with Enough Money

And How to Know What Enough Is

By: Teresa Ghilarducci

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How to Retire with Enough Money

And How to Know What Enough Is

By: Teresa Ghilarducci

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145

Publisher

Workman Publishing

Published Date

ISBN 10

0761187111

ISBN 13

9780761187110

Rescuing Retirement

A Plan to Guarantee Retirement Security for All Americans

By: Teresa Ghilarducci,Tony James

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Rescuing Retirement

A Plan to Guarantee Retirement Security for All Americans

By: Teresa Ghilarducci,Tony James

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177

Publisher

Columbia University Press

Published Date

ISBN 10

0231546270

ISBN 13

9780231546270

The Joy in Loving

Daily Wisdom with Mother Teresa

By: Mother Teresa,Jaya Chaliha,Edward Le Joly

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The Joy in Loving

Daily Wisdom with Mother Teresa

By: Mother Teresa,Jaya Chaliha,Edward Le Joly

Meditations, designed for each day of the year, spring from incidents in Mother Teresa's own life.

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429

Published Date

ISBN 10

0340714247

ISBN 13

9780340714249

Mother Teresa

In My Own Words

By: Mother Teresa

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Mother Teresa

In My Own Words

By: Mother Teresa

Experience the same Spirit-filled words that Mother Theresa shared with the poor, the dying, the hurting, and the skeptical. The quotes, stories, and prayers in this book are hers. Mother Teresa's work for -- and among -- the poor has become the yardstick by which millions measure compassion and generosity across religious and political divides. While Mother Theresa herself always stressed action over words, it is the latter that have provided solace and hope to those who never had the opportunity to meet her during her life. Though the world has lost one of its most admired women, Mother Theresa's words and her memory still serve to move men and women from every race and religious background to volunteer to help the poor. -- From publisher's description.

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132

Publisher

St. Francis of Assisi Books

Published Date

ISBN 10

0764802003

ISBN 13

9780764802003

The Joy in Loving

Daily Wisdom with Mother Teresa

By: Mother Teresa,Edward Le Joly,Jaya Chaliha

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The Joy in Loving

Daily Wisdom with Mother Teresa

By: Mother Teresa,Edward Le Joly,Jaya Chaliha

Meditations, designed for each day of the year, spring from incidents in Mother Teresa's own life.

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429

Published Date

ISBN 10

0340714166

ISBN 13

9780340714164

Mother Teresa: Come be My Light

The Private Writings of the "Saint of Calcutta"

By: Mother Teresa

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Mother Teresa: Come be My Light

The Private Writings of the "Saint of Calcutta"

By: Mother Teresa

Capturing the inner spiritual life of one of the twentieth century's most beloved religious figures, the private writings, reflections, and letters of Mother Teresa chronicle her spiritual journey, her dedication to charity, the trial of faith that tested and shaped her beliefs, and her contributions to the sick, the dying, and the forgotten. 60,000 first printing.

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Page Count

404

Publisher

Random House LLC

Published Date

ISBN 10

0385520379

ISBN 13

9780385520379

Book's by Teresa Ghilarducci

Work, Retire, Repeat

Work, Retire, Repeat

When I'm Sixty-Four

When I'm Sixty-Four

Labor's Capital

Labor's Capital

How to Retire with Enough Money

How to Retire with Enough Money

When I'm Sixty-Four

When I'm Sixty-Four

Labor's Capital

Labor's Capital

Work, Retire, Repeat

Work, Retire, Repeat

Rescuing Retirement

Rescuing Retirement

How to Retire with Enough Money

How to Retire with Enough Money

Rescuing Retirement

Rescuing Retirement

The Joy in Loving

The Joy in Loving

Mother Teresa

Mother Teresa

The Joy in Loving

The Joy in Loving

Mother Teresa: Come be My Light

Mother Teresa: Come be My Light

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