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Author: Rutledge, Matthew S.
Resulting in 2 citations.
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Rutledge, Matthew S. Sanzenbacher, Geoffrey Vitagliano, Francis M. |
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Do Young Adults with Student Debt Save Less for Retirement? Issue in Brief 18-13, Center for Retirement Research at Boston College, June 2018. Also: https://dlib.bc.edu/islandora/object/bc-ir:108128 Cohort(s): NLSY97 Publisher: Center for Retirement Research at Boston College Keyword(s): College Graduates; Debt/Borrowing; Retirement/Retirement Planning; Savings; Student Loans / Student Aid Permission to reprint the abstract has not been received from the publisher. The brief's key findings are: (1) Student debt nearly tripled in real terms from 2005 to 2017, creating a financial burden that could potentially hamper retirement saving by young adults. (2) The analysis looked at the impact of student debt on 401(k) participation and assets for young workers who attended college, both graduates and non-graduates. (3) The results showed that student debt does not significantly affect 401(k) participation rates for either group. (4) However, student debt does seem to affect how much college graduates save: those with debt have only about half as much in assets by age 30 as those without debt. |
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Bibliography Citation
Rutledge, Matthew S., Geoffrey Sanzenbacher and Francis M. Vitagliano. "Do Young Adults with Student Debt Save Less for Retirement?" Issue in Brief 18-13, Center for Retirement Research at Boston College, June 2018. |
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Rutledge, Matthew S. Sanzenbacher, Geoffrey Zulkarnain, Alice |
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How Secure Is the Retirement of Contingent Workers? Presented: Chicago IL, Association for Public Policy Analysis and Management (APPAM) Annual Fall Research Conference, November 2017 Cohort(s): NLSY79 Publisher: Association for Public Policy Analysis and Management (APPAM) Keyword(s): Employment, Intermittent/Precarious; Health and Retirement Study (HRS); Retirement/Retirement Planning; Survey of Income and Program Participation (SIPP); Work, Atypical; Work, Contingent Permission to reprint the abstract has not been received from the publisher. Recent research suggests the share of workers in contingent work -- broadly defined as contract, temporary, or on-call work -- is on the rise. But no research has focused on the association between contingent work and retirement security, because no single U.S. data source combines information on contingent work and detailed retirement security information for the full population of workers. To get around this issue, this paper analyzes three data sources that together provide an assessment of the extent to which contingent workers are able to prepare for retirement: 1) the National Longitudinal Survey of Youth, which follows one group of workers from early career into their late 40s and early 50s; 2) a more age-representative sample from the Survey of Income and Program Participation; and 3) Health and Retirement Study respondents at ages 50-61. |
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Bibliography Citation
Rutledge, Matthew S., Geoffrey Sanzenbacher and Alice Zulkarnain. "How Secure Is the Retirement of Contingent Workers?" Presented: Chicago IL, Association for Public Policy Analysis and Management (APPAM) Annual Fall Research Conference, November 2017. |