What We're Reading Now: our latest hand-selected articles tackle these questions:

1) Should plasma centers be regulated like payday lenders?
2) Are insurers taking on hidden risk with private credit?
3) Do annuities actually extend your life?

Check them out: bit.ly/3XMroF6

How Will AI Affect Financial Planning for Retirement? I recently attended a financial advisor conference focused on artificial intelligence. Drawing on what I learned, this post summarizes my thoughts on how AI may reshape financial planning for retirement savers. Spoiler alert: I think it has great potential to help both advisors and individuals.

"How Will AI Affect Financial Planning for Retirement?" – New on Squared Away bit.ly/4cecnUB

New CRR Brief: “The Impact of Financial Advisors Since the Uptick in Policy Risk” bit.ly/3QaCD9J

What We’re Reading Now

This edition explores what the longest-lived animals can teach us about aging better, income mobility of the top 1%, and why we shouldn't make dramatic changes to fix Social Security.

Check them out! bit.ly/3XMroF6

Why You Might Want to Hire Home Health Aides Through an Agency - Despite the Cost One of the challenges of obtaining home health care for seniors is its cost, which is often beyond the means of people and their families. The cost barrier is especially true of aides hired through private home health agencies, which is often considerably more expensive than hiring an aide directly.

"Why You Might Want to Hire Home Health Aides Through an Agency – Despite the Cost" – New on Squared Away bit.ly/4c1KIox

How Many Workers Could Alter Overtime Work Due to the OBBBA? Introduction Economics 101 teaches that it is a bad idea to design taxes that distort behavior. Yet the "No Tax on Overtime" provision in the One Big Beautiful Bill Act (OBBBA) - which is in effect from January 1, 2025 to December 31, 2028 - could cause behavior to change in two ways.

New CRR Brief: “How Many Workers Could Alter #Overtime Work Due to the #OBBBA?” bit.ly/3O7pkpX

"A Major Change May Be in the Works for Your 401(k)’s Oversight" latest @MarketWatch blog post by CRR research fellow Geoffrey Sanzenbacher: on.mktw.net/4seoeXC

What We’re Reading Now

This edition explores how shopping from home is reshaping prices and behavior, new research on the optimality of deferred public annuities, and the growing trend of 3-year bachelor’s degrees. bit.ly/3XMroF6

"#Annuities in 401(k) Plans Aren’t All They're Cracked Up to Be"

Latest @MarketWatch blog post by CRR senior advisor Alicia Munnell: on.mktw.net/41sQhY1

New CRR Brief: “How Policy Risks Affect Retirement Planning for Older Americans” bit.ly/3P5Z93c

How Do Retirement Investors and Financial Advisors View and Cope with Policy Risk?

New working paper on how rising policy uncertainty in the United State affects the financial decisions of retirees and near-retirees. bit.ly/3NwJklu

"Older workers embrace job hopping — and it’s good for their retirement prospects" latest @marketwatch.com blog post by CRR research fellow Geoffrey Sanzenbacher: #[on.mktw.net/3N7r2qX

Is Low Fertility in High-Income Countries Here to Stay?

Fertility has fallen to record lows in high-income countries. Any effort to reverse this trend requires understanding its underlying causes.

bit.ly/4bkLnSL

What We’re Reading Now

A hand-picked list of recommendations from CRR researchers. This edition explores President Trump’s proposed retirement savings plan, new research on how working from home affects fertility decisions, and state efforts to try ‘public option’ Obamacare plans. bit.ly/3XMroF6

Is Low Fertility in High-Income Countries Here to Stay?

Fertility has fallen to record lows in high-income countries. Any effort to reverse this trend requires understanding its underlying causes. bit.ly/4bkLnSL

"The Government Is Trying to Rein in Medicare Advantage Costs. Will It Work?"

Latest @marketwatch.com blog post by CRR senior advisor Alicia Munnell: #[on.mktw.net/4rw72Nt

Stop Me Before I Open Another Account! Reducing the number of your accounts can provide a clearer view of your overall financial picture, supporting greater confidence and control. Hello, I'm Luke, and I'm addicted to credit card points. I have one credit card for groceries, another for restaurants, one for gas, and a fourth for everything else.

"Stop Me Before I Open Another Account!"

Reducing the number of accounts to monitor provides a clearer view of your overall financial picture, supporting greater confidence and control.

bit.ly/4c6dDJU

What We’re Reading Now

A hand-picked list of recommendations from CRR researchers. Featuring articles on immigration and older adult health, tax challenges after a death in the family, and the future of the ERISA Advisory Council. bit.ly/3XMroF6

Can an Australian Approach Save the U.S. Retirement System?

Australia’s retirement system is highly ranked in international comparisons – receiving a grade of B+ and the U.S. only a C+.

Read the new brief: #[bit.ly/4rh45Al

Why Dr. Oz wants you to retire later Mehmet Oz says Americans should get healthier so they can work an extra year and boost the economy. That’s hard for the poor and less educated, who tend to retire earlier.

"Why Dr. Oz Wants You to Retire Later" @washingtonpost.com wapo.st/4tvRPh2

Medicaid Coverage of Home Health Care is Growing: But Will the Trend Last?

Proposed Medicaid cuts could threaten further expansion, as states could decide to reduce optional home and assisted living coverage to offset revenue shortfalls. bit.ly/4tf24pP

#EconSky

What We’re Reading Now

A hand-picked list of recommendations from CRR researchers. Featuring articles on how dementia impacts long-run household finances, Secure 2.0, and emergency savings and credit card debt. bit.ly/4sksnKC

#EconSky

How Much Does Health Spending Eat Away at Retirees’ Income? An Update

Even with Medicare coverage and ignoring long-term care, retirees face sizable costs for premiums, copays, and uncovered services bit.ly/3MiLDIi

#EconSky #Medicare

Many U.S. households feel like they can’t get ahead financially — and they’re right The top wealth holders outpace everyone else.

"Many U.S. households feel like they can’t get ahead financially — and they’re right" latest @marketwatch.com blog post by CRR senior advisor Alicia Munnell: on.mktw.net/4tcRobd

#EconSky

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Coming tomorrow...new CRR brief on how much health spending eats away at retirees’ income. -- Sign up to get a copy straight to your inbox! bit.ly/2t9MO0t

Older Homeowners Make Less Money When Selling. Here's What They Can Do About It "Even when a home has been well-loved, if it's dated, it can have a bigger impact on the buyer's perception and pricing," says one expert.

"Older Homeowners Make Less Money When Selling. Here's What They Can Do About It" bit.ly/3Z8yULe

#EconSky

Higher Medicare premiums will eat up more than 25% of Social Security’s COLA Too much of our national and personal resources are being used to pay for healthcare.

"Higher Medicare premiums will eat up more than 25% of Social Security’s COLA" latest MarketWatch blog post by CRR senior advisor Alicia Munnell: on.mktw.net/462zM7S

#Medicare #SocialSecurity

Marriage can be great for your finances — but avoid these 3 mistakes What can go wrong? Being in a couple complicates your decision-making.

"Marriage can be great for your finances — but avoid these 3 mistakes" latest MarketWatch blog post by CRR research fellow Geoffrey Sanzenbacher: on.mktw.net/4sY4j0F

#EconSky

For Many, Starting to Draw Social Security Doesn’t Mean Stopping Work, Study Finds While starting to draw Social Security benefits commonly is viewed as something done at the end of a working career, that is not the case for about

"For Many, Starting to Draw Social Security Doesn’t Mean Stopping Work, Study Finds" bit.ly/3ZuQcSM

#EconSky

New Tax Break for Seniors

A new deduction from the recently passed tax bill will slightly worsen Social Security's finances as it reduces taxes for many filers ages 65+. bit.ly/49wKNAA

#EconSky