Sono a mezza forza ed in mezza vacanza...
per cui la butto lì senza troppo argomentarci sopra
come TEMA di riflessione e di discussione:
La Soluzione Finale: non si va più in pensione...e si pianifica di lavorare per sempre...
Nota: per sempre = fino al termine della propria vita...almeno quello...:-)
Ecco l'analisi di uno dei migliori Blogger made in USA
su una prospettiva che fa rabbrividire
ma che purtroppo è assolutamente "coerente"
con la piega che stanno prendendo l'economia&la società "post-moderne"
(mi verrebbe da dire post-atomiche...con un ritorno verso la legge di "natura" secondo la quale gli animali vecchi&zoppi....).
L'analisi è condotta sul contesto statunitenese ma,
fatte le debite "proporzioni",
possiamo trarne parecchie deduzioni&previsioni
anche sul nostro sistema pensionistico e sulla sua "futura tenuta"....
THE NO RETIREMENT PLAN: More And More Americans Plan To Work Forever
The Employee Benefit Research Institute (EBRI) reports Job Insecurity, Debt Weigh on Retirement Confidence, Savings
Executive Summary Points
- Americans’ confidence in their ability to retire comfortably is stagnant at historically low levels. Just 14 percent are very confident they will have enough money to live comfortably in retirement (statistically equivalent to the low of 13 percent measured in 2011 and 2009).
- Employment insecurity looms large: Forty-two percent identify job uncertainty as the most pressing financial issue facing most Americans today.
- Worker confidence about having enough money to pay for medical expenses and long-term care expenses in retirement remains well below their confidence levels for paying basic expenses.
- Many workers report they have virtually no savings and investments. In total, 60 percent of workers report that the total value of their household’s savings and investments, excluding the value of their primary home and any defined benefit plans, is less than $25,000.
- Retirees report they are significantly more reliant on Social Security as a major source of their retirement income than current workers expect to be.
- Although 56 percent of workers expect to receive benefits from a defined benefit plan in retirement, only 33 percent report that they and/or their spouse currently have such a benefit with a current or previous employer.
- More than half of workers (56 percent) report they and/or their spouse have not tried to calculate how much money they will need to have saved by the time they retire so that they can live comfortably in retirement.
I picked up links to the above articles in a surprising place.
Dawn Stover, writing for the Bulletin of the Atomic Scientists compared the retirement of workers to the "The new retirement" for nuclear power plants
A nother recent survey, by Wells Fargo, reported that a quarter of middle-class Americans now plan to postpone retirement until they are at least 80 years old -- longer than many of them are expected to live.
For Americans facing an uncertain financial future, 80 is the new 65.
But it really should be called "the no retirement."