We're sunsetting PodQuest on 2025-07-28. Thank you for your support!
Export Podcast Subscriptions
cover of episode Your Money Map Replay: The 2025 Economy and Your Retirement with Betsey Stevenson

Your Money Map Replay: The 2025 Economy and Your Retirement with Betsey Stevenson

2025/1/31
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky
AI Deep Dive AI Chapters Transcript
People
B
Betsey Stevenson
J
Jean Chatzky
Topics
Jean Chatzky: 我关注的是如何确保在退休后有足够的收入来维持生活,即使活到100岁。养老金和反向抵押贷款可以作为长寿保险,在超过特定时间后确保收入。在60多岁或70岁出头时,大多数人不需要养老金,养老金是应对长寿风险的保险。 此外,我担心的是许多65岁及以上的人担心退休储蓄不足以维持一生,三分之一的人担心每月开支。我们需要关注的是如何帮助他们更好地规划退休生活,确保他们有足够的收入来源。 最后,我建议人们提前规划应对各种可能性,例如配偶过世或丧失行动能力。提前规划可以帮助人们做出更明智的财务决策,例如决定是否应该提前搬到离子女更近的地方,以便在需要时获得照顾。 Betsey Stevenson: 2024年美国经济强劲增长,就业参与率上升,企业创办率高,这主要得益于移民的增加。然而,2025年经济已接近峰值,未来可能趋于平稳或下滑。通货膨胀率虽然下降,但物价并未回落,这给许多人带来了经济压力。 通货紧缩意味着平均工资下降,大多数美国人都不希望出现通货紧缩。将物价降回原先水平非常困难,经济学家更关注的是稳定物价。尽管通货膨胀令人沮丧,但许多美国人即使在通货膨胀调整后也比疫情前境况更好。 美联储需要在经济放缓和通货膨胀之间取得平衡,决定利率水平。理想的通货膨胀率约为每年2%。零通货膨胀会给经济带来困难。 对于退休人员来说,最大的担忧是储蓄是否足以维持一生。许多退休人员的资产主要在房产中,他们需要探索新的金融产品来利用房产资产,例如反向抵押贷款或出售抵押贷款。 保证社会保障金在未来10到15年内不会减少至关重要。私人养老金在应对社会保障金潜在削减方面至关重要。养老金可以作为长寿保险,确保老年人有足够的收入。养老金或反向抵押贷款应在超过平均预期寿命后生效,以应对长寿风险。 人们不应该将65岁作为退休的唯一标准,而应考虑自身健康状况和预期寿命。保持身体健康对财务健康至关重要,因为健康问题会增加医疗支出。老年人应关注生活中的快乐,并提前规划如何保持这种快乐。理想的退休规划是“死时身无分文”。

Deep Dive

Chapters
The year 2025 started with a surprisingly strong economy, exceeding expectations. This growth has been attributed to various factors, including increased labor force participation and a high rate of business startups. However, this strong economy might be at its peak, posing the risk of stagnation or decline in the coming year.
  • The economy in 2025 is exceptionally strong, exceeding projections.
  • Increased labor force participation and high business startup rates contributed to the economic growth.
  • The economy might be operating at its peak, risking stagnation or decline.

Shownotes Transcript

2025 is officially here, and with it comes a new administration in the White House, along with new economic policies that will impact you and your wallet. 

On the most recent episode of Your Money Map), our weekly show with the Alliance for Lifetime Income, we’re joined by Betsey Stevenson, University of Michigan Public Policy and Economics Professor and Former Chief Economist of the U.S. Department of Labor, to talk about what economic changes in the New Year could mean for retirees.

If you like this episode and want more, check out all of our Your Money Map episodes at protectedincome.org/your-money-map/) or tune in live every Wednesday at 12 PM ET on Facebook or LinkedIn.

Resources mentioned in this episode:

Learn more about InvestingFixx,) our women’s investing club where you can vote on stocks, build a model portfolio, and grow your financial knowledge. Take the next step in your financial journey with FinanceFixx), our money makeover program.

Have a question for us? Write to us (or send us a voice note!) 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*)!

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