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What Explains Low Old-Age Income? Evidence from the Health and Retirement Study / Olivia S. Mitchell, Robert L. Clark, Annamaria Lusardi.

NBER Working papers Available online

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Format:
Book
Author/Creator:
Mitchell, Olivia S.
Contributor:
National Bureau of Economic Research.
Clark, Robert L.
Lusardi, Annamaria.
Series:
Working Paper Series (National Bureau of Economic Research) no. w28721.
NBER working paper series no. w28721
Language:
English
Physical Description:
1 online resource: illustrations (black and white);
Place of Publication:
Cambridge, Mass. National Bureau of Economic Research 2021.
Summary:
We examine respondents in the Health and Retirement Study (HRS) to observe how their financial situations unfolded as they aged. We focus on low income older adults and follow them over time to identify the factors associated with having low income at baseline and thereafter. We find that (a) real income remained relatively stable as individuals approach and enter retirement, and progress through their retirement years, and (b) labor force participation declined and thus earnings became less important with age, while Social Security and retirement savings rose as a proportion of annual income.
Notes:
Print version record
April 2021.

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