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Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy de Teresa Ghilarducci

Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy

Autor Teresa Ghilarducci Cuvânt înainte de E. J. Dionne Jr.
en Limba Engleză Hardback – 6 mar 2024

Observăm în ultimele decenii o schimbare de paradigmă în politicile publice globale: tranziția de la dreptul la pensionare către necesitatea economică de a rămâne în câmpul muncii. În lucrarea Work, Retire, Repeat, Teresa Ghilarducci analizează modul în care această evoluție a „economiei noi” a erodat securitatea financiară a vârstnicilor. Spre deosebire de alte state unde politicile sociale protejează retragerea din activitate, remarcăm în Statele Unite o acceptare tacită a inegalității, unde demnitatea la bătrânețe devine un lux, nu un standard.

Cartea este structurată riguros în trei părți, pornind de la deconstrucția consensului politic actual și continuând cu o analiză a costurilor ascunse ale muncii prelungite. Teresa Ghilarducci demonstrează prin date statistice și studii de caz că munca peste vârsta standard de pensionare nu este, pentru mulți, o alegere, ci o constrângere care afectează disproporționat sănătatea celor cu venituri mici. Această abordare continuă temele explorate de autoare în When I′m Sixty–Four și Rescuing Retirement, unde a criticat declinul sistemelor de pensii, însă aici accentul cade pe demitizarea ideii că „a munci mai mult” este soluția universală.

Considerăm această lucrare o alternativă critică la Working Longer de Alicia H. Munnell pentru cursurile de politici publice și economie socială. În timp ce alte titluri propun amânarea pensionării ca soluție matematică, lucrarea de față are avantajul de a propune „The Gray New Deal” – un set de soluții concrete pentru finanțarea și gestionarea sustenabilă a pensiilor care să permită o alegere reală. Tonul este precis, susținut de 8 tabele și 6 diagrame ce ilustrează fracturile din sistemul actual, oferind o perspectivă indispensabilă asupra viitorului securității sociale.

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Specificații

ISBN-13: 9780226831466
ISBN-10: 0226831469
Pagini: 264
Ilustrații: 6 line drawings, 8 tables
Dimensiuni: 152 x 229 x 24 mm
Greutate: 0.48 kg
Ediția:First Edition
Editura: University of Chicago Press
Colecția University of Chicago Press

De ce să citești această carte

Recomandăm Work, Retire, Repeat oricărui cititor interesat de economie politică și politici sociale. Este o lectură esențială pentru a înțelege de ce „munca pe viață” nu este o soluție viabilă pentru criza pensiilor. Cititorul câștigă o perspectivă documentată asupra reformelor necesare pentru a asigura o bătrânețe demnă, dincolo de retorica simplistă a prelungirii vârstei de pensionare, fiind un instrument util pentru decidenți și studenți deopotrivă.

Despre autor

Teresa Ghilarducci este profesor de economie la New School for Social Research, deținând catedra Bernard L. și Irene Schwartz. Cu un doctorat obținut la University of California, Berkeley, ea s-a impus ca una dintre cele mai proeminente voci în dezbaterea despre sistemele de pensii și economiile personale. Expertiza sa este recunoscută la nivel internațional, fiind autoarea unor lucrări de referință precum When I′m Sixty–Four și Employee Pensions. Contribuțiile sale frecvente în publicații ca The New York Times sau Time confirmă statutul său de autoritate în domeniul economiei muncii și al politicilor de protecție socială.

Descriere scurtă

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.

Notă biografică

Teresa Ghilarducci is professor of economics and policy analysis at the New School for Social Research in New York City. She serves as the director of the Schwartz Center for Economic Policy Analysis and the New School’s Retirement Equity Lab (ReLab). She also writes a regular column for Forbes’s #RetireWell blog.

Cuprins

Foreword by E. J. Dionne Jr.

Part I: How the Working-Longer Consensus Made the Retirement Crises Worse
Chapter 1: The Erosion of Retirement and the Rise of Retirement Inequality
Chapter 2: The Shift to Retirement Insecurity

Part II: The Hidden Costs of Working Longer
Chapter 3: Working Longer Is Often Not a Choice
Chapter 4: Working Longer Can Harm Your Health
Chapter 5: Working Longer Creates Unequal Retirement Time
Chapter 6: Working Longer Does Little to Improve Retirement Security
Chapter 7: When Older Workers Lose, All Workers Lose
Chapter 8: The High Cost of Bad Pensions

Part III: The Gray New Deal
Chapter 9: Good Jobs for Older Workers
Chapter 10: Creating Better Pensions

Notes
Bibliography
Index

Recenzii

"Ghilarducci presents a grim view of the current ominous realities of retirement in the United States and offers recommendations for improvement. . . She shares true stories of people locked into jobs not because they love to work but because they must, and her meticulous research analyzes how working longer does little to improve retirement security and inadequate pensions. . . This highly recommended book focuses on middle- and lower-income people who do not have millions in their retirement accounts and who are particularly concerned about the retirement possibilities that their children and grandchildren will have."

"Ghilarducci argues convincingly that how long people need to work is more about who has power in society than anything else."

"[Work, Retire, Repeat] examines the wide array of realities older adults face as they retire or find themselves working later in life. It’s a meaningful, engaging, and accessible book that deals with subject matter that will only increase in importance. . . . Written with passion, precision and prescription."

Named one of the Best Summer Books of 2024. "A powerful rejoinder to the view that, in an aging society, people must work longer and retire later."

"Work, Retire, Repeat makes valuable points in assessing attempts to push back retirement for all Americans."

"America's retirement system is failing too many people. . . .Economist Teresa Ghilarducci, in her new (highly recommended) book discusses reform proposals, including several she co-authored. . .It's high time for at least one of these well-designed and affordable ideas to become law. . . .Ghilarducci offers a potential blueprint for action for policymakers and citizens."

"[Work, Retire, Repeat] is a wake-up call to academics and policymakers to take the well-being of low-income older workers seriously and a provocative starting point for what better policy toward senior citizens might entail."

"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."

“Through a well-structured narrative combined with a thorough analysis of empirical studies, Ghilarducci makes a compelling case for why retirement policies need to be reformed. . . Work, Retire, Repeat is thought-provoking.”

"Retirement inequality is on the rise and is causing anger and democratic resentment among working classes in many countries. This fascinating book puts the central issue of retirement inequality at the forefront of political discussion. A must read."

“Work, Retire, Repeat shows the risks and decisions facing older workers today and the economic forces this complexity creates. Ghilarducci's analysis is packed with facts and original ideas for both change and how to live with today's system in the meantime. Work, Retire, Repeat may prove to be as influential as Stuart Chase’s 1932 book A New Deal."

“Compared to workers in equally wealthy countries, Americans work much longer. We work more hours per week, take fewer vacations, and look ahead to a late, financially insecure retirement. Ghilarducci convincingly and heartrendingly shows that so many of us who find ourselves unable to afford to retire didn’t plan for this, but rather find out after the fact that others had punched holes in the financial buckets we thought were being filled for our retirement.”