Ready to retire? If you're American, probably not. In this episode, Emma Reid breaks down the brutal math: 87% of Americans will work until they physically can't, and the numbers don't lie about why.
🎯 What You'll Learn:
• Why the median 55-64 year old has only $89,000 saved (spoiler: it's not enough)
• How student loans that increased 1,200% since 1980 destroyed retirement planning for entire generations
• The simple math showing someone making $50k could retire with over $1 million (if they start early)
• Why your company's 401k match isn't the retirement savior you think it is
👤 Perfect for: lifelong learners and anyone who wants to understand why traditional retirement advice might be setting them up to work forever.
Emma doesn't sugarcoat this one. She walks through real household budgets, explains why 64% of Americans have less than $10,000 saved, and shows exactly how we got here. You'll understand why your parents' generation could retire at 65 while you're planning to work into your 70s.
📍 Chapters:
[00:00] Emma Reid introduces the 87% statistic that should terrify you
[01:30] The real average vs median retirement savings (the gap is shocking)
[04:00] How student loans killed the retirement dream for millennials
[07:00] The compound interest math that could change everything
[10:00] Why pension plans disappeared and what replaced them
[12:00] Three moves you can make today (even if you're starting late)
This isn't doom and gloom economics. Emma gives you the tools to spot where you stand and what you can actually do about it, whether you're 25 or 55.
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🔍 Topics: retirement planning, 401k savings, student loan debt, compound interest, economic policy
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