{"id":4331,"date":"2018-05-01T09:17:05","date_gmt":"2018-05-01T13:17:05","guid":{"rendered":"http:\/\/www.silvercentury.org\/?p=4331"},"modified":"2018-05-09T19:34:54","modified_gmt":"2018-05-09T23:34:54","slug":"debt-and-the-older-adult","status":"publish","type":"post","link":"http:\/\/78.142.243.82\/~silvercentury\/2018\/05\/debt-and-the-older-adult\/","title":{"rendered":"Debt and the Older Adult"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Should you be worried about carrying debt into your later years? Put your financial savvy to the test.<\/span><\/p>\n\n\n\n<div id=\"mtq_quiz_area-1\" class=\"mtq_quiz_area mtq_color_blue\"> \n\n  <!--Quiz generated using mTouch Quiz Version 3.1.3 by G. Michael Guy (http:\/\/gmichaelguy.com\/quizplugin\/)-->\n\n  \n  \n  \n  \n\n    \n  \n\n  <!-- Shortcode entered mtouchquiz id=14 --> \n\n  <!-- Shortcode interpreted mtouchquiz id=14 alerts=off singlepage=on hints=on startscreen=off finalscreen=on multiplechances=on showanswers=now show_stamps=on randomq=off randoma=off status=on labels=on title=on proofread=off list=off time=off scoring=off formid= vform=on autoadvance=off autosubmit=off inform=off forcecf=off forcegf=off offset=1 questions=10 firstid=122 lastid=131 color=blue --> \n\n  <!--form action=\"\" method=\"post\" class=\"quiz-form\" id=\"quiz-14\"-->\n\n  \n  <div id=\"mtq_quiztitle-1\" class=\"mtq_quiztitle\" >\n\n  <h2>Debt and the Older Adult<\/h2>\n\n  <\/div>\n\n    \n  <noscript>\n\n  <div id=\"mtq_javawarning-1\" class=\"mtq_javawarning\">\n\n  Please wait while the activity loads.<\/br> If this activity does not load, try refreshing your browser. Also, this page requires javascript. Please visit using a browser with javascript enabled.\n  <div class=\"mtq_failed_button\" onclick=\"mtq_start_one(1)\">\n\n  If loading fails, click here to try again\n  <\/div><\/div>\n\n  <\/noscript>\n\n  \n<div id=\"mtq_quiz_results_bubble-1\" class=\"mtq_quiz_results_bubble\"> <div id=\"mtq_quiz_results-1\" class=\"mtq_quiz_results\"><p>Congratulations - you have completed <em>Debt and the Older Adult<\/em>.<\/p><p>You scored %%SCORE%% out of %%TOTAL%%.<\/p><p>Your performance has been rated as %%RATING%%<\/p> <br>    \n\n  <\/div> <div id=\"mtq_quiz_results_highlight-1\" class=\"mtq_quiz_results_highlight\">\n\n  Your answers are highlighted below.\n  <\/div> <\/div>\n\n  \n  \n\n  <!-- root element for mtqscrollable -->\n\n\n\n  <div id=\"mtq_question_container-1\" >\n\n  <div >\n\n    \n      <div class='mtq_question mtq_scroll_item-1' id='mtq_question-1-1'><table class='mtq_question_heading_table'><tr><td><div class='mtq_question_label '>Question 1<\/div><div id='mtq_stamp-1-1' class='mtq_stamp'><\/div><\/td><\/tr><\/table><div id='mtq_question_text-1-1' class='mtq_question_text'>Older adults have never been more financially secure than they are today. <\/div><table class='mtq_answer_table'><colgroup><col class='mtq_oce_first'\/><\/colgroup><tr id='mtq_row-1-1-1' onclick='mtq_button_click(1,1,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-1-1-1' class='mtq_css_letter_button mtq_letter_button_0'  alt='Question 1, Choice 1'>A<\/div><div id='mtq_marker-1-1-1' class='mtq_marker mtq_wrong_marker' alt='Wrong'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-1-1-1' class='mtq_answer_text'>True<\/div><\/td><\/tr><tr id='mtq_row-1-2-1' onclick='mtq_button_click(1,2,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-1-2-1' class='mtq_css_letter_button mtq_letter_button_1'  alt='Question 1, Choice 2'>B<\/div><div id='mtq_marker-1-2-1' class='mtq_marker mtq_correct_marker' alt='Correct'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-1-2-1' class='mtq_answer_text'>False<\/div><\/td><\/tr><\/table><div id='mtq_question_explanation-1-1' class='mtq_explanation'><div class='mtq_explanation-label'>Question 1 Explanation:&nbsp;<\/div><div class='mtq_explanation-text'> As boomers march into retirement, they are more financially at risk than their parents and grandparents were. The average debt held by people over 65 is $50,000\u201483 percent higher than in 2001, according to the Federal Reserve. That, for many, is equal to, or greater than, what they\u2019ve saved for retirement, putting their later years in dire straits. A survey found that 36 percent of people aged 56 to 61 are \u201cfinancially fragile,\u201d meaning they can\u2019t come up with $2,000 cash, within 30 days, in case of an unexpected expense, such as a medical bill or home disaster. They are turning to credit cards and siphoning off their 401(k) savings to pay for the expenses of daily life, and it adds up to trouble for their postwork years<\/div><\/div><\/div><div class='mtq_question mtq_scroll_item-1' id='mtq_question-2-1'><table class='mtq_question_heading_table'><tr><td><div class='mtq_question_label '>Question 2<\/div><div id='mtq_stamp-2-1' class='mtq_stamp'><\/div><\/td><\/tr><\/table><div id='mtq_question_text-2-1' class='mtq_question_text'>Because more boomer women were employed, fewer of them will be in debt in their later years.<\/div><table class='mtq_answer_table'><colgroup><col class='mtq_oce_first'\/><\/colgroup><tr id='mtq_row-2-1-1' onclick='mtq_button_click(2,1,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-2-1-1' class='mtq_css_letter_button mtq_letter_button_0'  alt='Question 2, Choice 1'>A<\/div><div id='mtq_marker-2-1-1' class='mtq_marker mtq_wrong_marker' alt='Wrong'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-2-1-1' class='mtq_answer_text'>True<\/div><\/td><\/tr><tr id='mtq_row-2-2-1' onclick='mtq_button_click(2,2,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-2-2-1' class='mtq_css_letter_button mtq_letter_button_1'  alt='Question 2, Choice 2'>B<\/div><div id='mtq_marker-2-2-1' class='mtq_marker mtq_correct_marker' alt='Correct'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-2-2-1' class='mtq_answer_text'>False<\/div><\/td><\/tr><\/table><div id='mtq_question_explanation-2-1' class='mtq_explanation'><div class='mtq_explanation-label'>Question 2 Explanation:&nbsp;<\/div><div class='mtq_explanation-text'> Not only are women born between 1948-1960 carrying high debt, their financial straits are worse than those of an earlier cohort\u2014born just 12 years sooner\u2014when they were the same age. Expensive mortgages are the biggest culprit: boomers spent more on houses than the preceding generation. Women also are carrying credit card debt\u2014and for a long time. A Credit.com survey found that 28 percent of women in midlife have owed money on their credit cards for at least five years, and 49 percent worried, probably correctly, that this has affected their financial stability. All of this means women are working longer into their later years as they struggle, not to build up retirement savings, but to pay down debt. <\/div><\/div><\/div><div class='mtq_question mtq_scroll_item-1' id='mtq_question-3-1'><table class='mtq_question_heading_table'><tr><td><div class='mtq_question_label '>Question 3<\/div><div id='mtq_stamp-3-1' class='mtq_stamp'><\/div><\/td><\/tr><\/table><div id='mtq_question_text-3-1' class='mtq_question_text'>Mortgages and credit cards top the list of reasons so many adults are in poor financial shape for retirement.<\/div><table class='mtq_answer_table'><colgroup><col class='mtq_oce_first'\/><\/colgroup><tr id='mtq_row-3-1-1' onclick='mtq_button_click(3,1,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-3-1-1' class='mtq_css_letter_button mtq_letter_button_0'  alt='Question 3, Choice 1'>A<\/div><div id='mtq_marker-3-1-1' class='mtq_marker mtq_correct_marker' alt='Correct'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-3-1-1' class='mtq_answer_text'>True<\/div><\/td><\/tr><tr id='mtq_row-3-2-1' onclick='mtq_button_click(3,2,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-3-2-1' class='mtq_css_letter_button mtq_letter_button_1'  alt='Question 3, Choice 2'>B<\/div><div id='mtq_marker-3-2-1' class='mtq_marker mtq_wrong_marker' alt='Wrong'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-3-2-1' class='mtq_answer_text'>False<\/div><\/td><\/tr><\/table><div id='mtq_question_explanation-3-1' class='mtq_explanation'><div class='mtq_explanation-label'>Question 3 Explanation:&nbsp;<\/div><div class='mtq_explanation-text'> Boomers seem to see debt as more of an acceptable, everyone-has-it situation than their elders, who would have been horrified to take such high amounts into their later years. According to the Consumer Financial Protection Bureau, 30 percent of homeowners 65 and older have mortgage debt (up from 22 percent in 2011). The amount of mortgage debt is higher too. Today\u2019s older adults spent much more on their houses than the previous generations and did so by taking out mortgages and loans that they could easily get but not easily pay down. Then to make ends meet, many borrowed more money from high-interest sources, and they owe a lot of money even as they end their working years. According to a survey by Allianz Life, 48 percent of adults aged 35-67 consider credit cards to be a \u201clifeline.\u201d <\/div><\/div><\/div><div class='mtq_question mtq_scroll_item-1' id='mtq_question-4-1'><table class='mtq_question_heading_table'><tr><td><div class='mtq_question_label '>Question 4<\/div><div id='mtq_stamp-4-1' class='mtq_stamp'><\/div><\/td><\/tr><\/table><div id='mtq_question_text-4-1' class='mtq_question_text'>Thanks to Medicare, Americans don\u2019t have to worry much about medical expenses in their later years.<\/div><table class='mtq_answer_table'><colgroup><col class='mtq_oce_first'\/><\/colgroup><tr id='mtq_row-4-1-1' onclick='mtq_button_click(4,1,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-4-1-1' class='mtq_css_letter_button mtq_letter_button_0'  alt='Question 4, Choice 1'>A<\/div><div id='mtq_marker-4-1-1' class='mtq_marker mtq_wrong_marker' alt='Wrong'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-4-1-1' class='mtq_answer_text'>True<\/div><\/td><\/tr><tr id='mtq_row-4-2-1' onclick='mtq_button_click(4,2,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-4-2-1' class='mtq_css_letter_button mtq_letter_button_1'  alt='Question 4, Choice 2'>B<\/div><div id='mtq_marker-4-2-1' class='mtq_marker mtq_correct_marker' alt='Correct'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-4-2-1' class='mtq_answer_text'>False<\/div><\/td><\/tr><\/table><div id='mtq_question_explanation-4-1' class='mtq_explanation'><div class='mtq_explanation-label'>Question 4 Explanation:&nbsp;<\/div><div class='mtq_explanation-text'> According to a recent HealthView report, a couple should expect to pay $266,589 in health care premiums (including Medicare and supplemental insurance) once they retire. And that, simply put, is more than most people have saved for retirement in total. Add in vision and dental care, prescriptions and deductibles, co-pays and other out-of-pocket expenses, and that number climbs to over $463,849\u2014for a healthy couple. Costs vary widely depending on health and where you live. Many retirees find themselves paying for all of this with credit cards, adding to their debt. Saving for future health care costs can be a way to avoid this problem, and you may be able to estimate how much you\u2019ll need by using an online, health-care-costs calculator.<\/div><\/div><\/div><div class='mtq_question mtq_scroll_item-1' id='mtq_question-5-1'><table class='mtq_question_heading_table'><tr><td><div class='mtq_question_label '>Question 5<\/div><div id='mtq_stamp-5-1' class='mtq_stamp'><\/div><\/td><\/tr><\/table><div id='mtq_question_text-5-1' class='mtq_question_text'>Younger adults are learning from their parents\u2019 financial woes and are trying harder to save money for their own retirement.<\/div><table class='mtq_answer_table'><colgroup><col class='mtq_oce_first'\/><\/colgroup><tr id='mtq_row-5-1-1' onclick='mtq_button_click(5,1,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-5-1-1' class='mtq_css_letter_button mtq_letter_button_0'  alt='Question 5, Choice 1'>A<\/div><div id='mtq_marker-5-1-1' class='mtq_marker mtq_wrong_marker' alt='Wrong'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-5-1-1' class='mtq_answer_text'>True<\/div><\/td><\/tr><tr id='mtq_row-5-2-1' onclick='mtq_button_click(5,2,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-5-2-1' class='mtq_css_letter_button mtq_letter_button_1'  alt='Question 5, Choice 2'>B<\/div><div id='mtq_marker-5-2-1' class='mtq_marker mtq_correct_marker' alt='Correct'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-5-2-1' class='mtq_answer_text'>False<\/div><\/td><\/tr><\/table><div id='mtq_question_explanation-5-1' class='mtq_explanation'><div class='mtq_explanation-label'>Question 5 Explanation:&nbsp;<\/div><div class='mtq_explanation-text'> Nope. Generation X is already in more debt than both the silent generation and the baby boomers. Gen Xers aren\u2019t making much more money than their parents, but they are taking on debt with more abandon and paying it back more slowly. Generation Y, better known as the millennials, is holding less debt, partially because fewer are buying homes, and paying it back at a faster pace. But they also charge with abandon, using credit to finance both necessities (out-of-pocket medical costs) and desires (bucket-list adventures and Uber transportation). This is leaving millennials with \u201cbad debt\u201d versus generation X\u2019s \u201cgood debt\u201d of student loans and housing investments, so in the end, the younger generation might end up in water that\u2019s just as hot.<\/div><\/div><\/div><div class='mtq_question mtq_scroll_item-1' id='mtq_question-6-1'><table class='mtq_question_heading_table'><tr><td><div class='mtq_question_label '>Question 6<\/div><div id='mtq_stamp-6-1' class='mtq_stamp'><\/div><\/td><\/tr><\/table><div id='mtq_question_text-6-1' class='mtq_question_text'>Many boomers turn to their parents\u2014or their adult children\u2014for financial help.<\/div><table class='mtq_answer_table'><colgroup><col class='mtq_oce_first'\/><\/colgroup><tr id='mtq_row-6-1-1' onclick='mtq_button_click(6,1,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-6-1-1' class='mtq_css_letter_button mtq_letter_button_0'  alt='Question 6, Choice 1'>A<\/div><div id='mtq_marker-6-1-1' class='mtq_marker mtq_wrong_marker' alt='Wrong'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-6-1-1' class='mtq_answer_text'>True<\/div><\/td><\/tr><tr id='mtq_row-6-2-1' onclick='mtq_button_click(6,2,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-6-2-1' class='mtq_css_letter_button mtq_letter_button_1'  alt='Question 6, Choice 2'>B<\/div><div id='mtq_marker-6-2-1' class='mtq_marker mtq_correct_marker' alt='Correct'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-6-2-1' class='mtq_answer_text'>False<\/div><\/td><\/tr><\/table><div id='mtq_question_explanation-6-1' class='mtq_explanation'><div class='mtq_explanation-label'>Question 6 Explanation:&nbsp;<\/div><div class='mtq_explanation-text'> Boomers are the sandwich generation. They increasingly find themselves caring for both older parents and adult children, and they strain their finances considerably in the process. Half of boomers say they feel a financial responsibility for their grown children (and grandchildren) and 75 percent say they\u2019re obligated to help their aging parents. They\u2019re putting their retirement at risk by paying for their kids\u2019 student loans and their parents\u2019 medical and care expenses\u2014not to mention spending money on grandchildren, both for gifts and to help with activities and other expenses. Experts say the best monetary gift parents can give their children is to teach them how to help themselves financially, but that\u2019s tough when older adults still need some financial education of their own.<\/div><\/div><\/div><div class='mtq_question mtq_scroll_item-1' id='mtq_question-7-1'><table class='mtq_question_heading_table'><tr><td><div class='mtq_question_label '>Question 7<\/div><div id='mtq_stamp-7-1' class='mtq_stamp'><\/div><\/td><\/tr><\/table><div id='mtq_question_text-7-1' class='mtq_question_text'>If you have several different loans, it\u2019s most important to pay off student loans before your high-interest credit cards or your mortgage.<\/div><table class='mtq_answer_table'><colgroup><col class='mtq_oce_first'\/><\/colgroup><tr id='mtq_row-7-1-1' onclick='mtq_button_click(7,1,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-7-1-1' class='mtq_css_letter_button mtq_letter_button_0'  alt='Question 7, Choice 1'>A<\/div><div id='mtq_marker-7-1-1' class='mtq_marker mtq_correct_marker' alt='Correct'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-7-1-1' class='mtq_answer_text'>True<\/div><\/td><\/tr><tr id='mtq_row-7-2-1' onclick='mtq_button_click(7,2,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-7-2-1' class='mtq_css_letter_button mtq_letter_button_1'  alt='Question 7, Choice 2'>B<\/div><div id='mtq_marker-7-2-1' class='mtq_marker mtq_wrong_marker' alt='Wrong'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-7-2-1' class='mtq_answer_text'>False<\/div><\/td><\/tr><\/table><div id='mtq_question_explanation-7-1' class='mtq_explanation'><div class='mtq_explanation-label'>Question 7 Explanation:&nbsp;<\/div><div class='mtq_explanation-text'> According to financial guru Suze Orman, ridding yourself of student loans\u2014your own or your children\u2019s\u2014is the first step to take. This is a bigger issue than you might think: more than 700,000 households headed by older adults have unpaid student loans. The government can take money from Social Security checks or tax refunds as payment. And bankruptcy court usually doesn\u2019t relieve your obligation to repay a student loan. This doesn\u2019t mean that Orman recommends taking other debt with you into retirement. She advocates that you examine your \u201cneeds\u201d versus your \u201cwants\u201d when looking at debts. This, she says, often helps people find a few hundred dollars a month that they can put toward debt repayment. But no matter what else you do, make those student loan payments on time.<\/div><\/div><\/div><div class='mtq_question mtq_scroll_item-1' id='mtq_question-8-1'><table class='mtq_question_heading_table'><tr><td><div class='mtq_question_label '>Question 8<\/div><div id='mtq_stamp-8-1' class='mtq_stamp'><\/div><\/td><\/tr><\/table><div id='mtq_question_text-8-1' class='mtq_question_text'>A payday loan is a safe way to get cash quickly when you need it.<\/div><table class='mtq_answer_table'><colgroup><col class='mtq_oce_first'\/><\/colgroup><tr id='mtq_row-8-1-1' onclick='mtq_button_click(8,1,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-8-1-1' class='mtq_css_letter_button mtq_letter_button_0'  alt='Question 8, Choice 1'>A<\/div><div id='mtq_marker-8-1-1' class='mtq_marker mtq_wrong_marker' alt='Wrong'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-8-1-1' class='mtq_answer_text'>True<\/div><\/td><\/tr><tr id='mtq_row-8-2-1' onclick='mtq_button_click(8,2,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-8-2-1' class='mtq_css_letter_button mtq_letter_button_1'  alt='Question 8, Choice 2'>B<\/div><div id='mtq_marker-8-2-1' class='mtq_marker mtq_correct_marker' alt='Correct'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-8-2-1' class='mtq_answer_text'>False<\/div><\/td><\/tr><\/table><div id='mtq_question_explanation-8-1' class='mtq_explanation'><div class='mtq_explanation-label'>Question 8 Explanation:&nbsp;<\/div><div class='mtq_explanation-text'> Payday loans are short-term cash advances borrowed against a steady income source, like Social Security or a veteran\u2019s pension. These advances must usually be repaid on the next payday at high interest rates. Rather than risk their pride or independence by asking a relative for help in a financial crunch, many older adults turn to payday loans\u2014or other quick solutions like a pawn shop, credit card advance or car-title loan. The problem is, a person living on a fixed income doesn\u2019t have much spending flexibility (probably why the cash was needed to begin with) and so paying back the loan becomes a challenge that often ignites a downhill plunge into financial crisis. Smarter solutions for quick cash are a second mortgage or home equity loan, or a low-interest loan from a credit union. Even borrowing against a 401(k) can be safe, but if you lose your job, you\u2019d be required to pay it back in full in 60 days or pay income tax on it.<\/div><\/div><\/div><div class='mtq_question mtq_scroll_item-1' id='mtq_question-9-1'><table class='mtq_question_heading_table'><tr><td><div class='mtq_question_label '>Question 9<\/div><div id='mtq_stamp-9-1' class='mtq_stamp'><\/div><\/td><\/tr><\/table><div id='mtq_question_text-9-1' class='mtq_question_text'>To get the best out of life after 60, you need to start planning well before you\u2019re in your 50s.<\/div><table class='mtq_answer_table'><colgroup><col class='mtq_oce_first'\/><\/colgroup><tr id='mtq_row-9-1-1' onclick='mtq_button_click(9,1,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-9-1-1' class='mtq_css_letter_button mtq_letter_button_0'  alt='Question 9, Choice 1'>A<\/div><div id='mtq_marker-9-1-1' class='mtq_marker mtq_correct_marker' alt='Correct'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-9-1-1' class='mtq_answer_text'>True<\/div><\/td><\/tr><tr id='mtq_row-9-2-1' onclick='mtq_button_click(9,2,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-9-2-1' class='mtq_css_letter_button mtq_letter_button_1'  alt='Question 9, Choice 2'>B<\/div><div id='mtq_marker-9-2-1' class='mtq_marker mtq_wrong_marker' alt='Wrong'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-9-2-1' class='mtq_answer_text'>False<\/div><\/td><\/tr><\/table><div id='mtq_question_explanation-9-1' class='mtq_explanation'><div class='mtq_explanation-label'>Question 9 Explanation:&nbsp;<\/div><div class='mtq_explanation-text'> The peak years for wealth accumulation are usually a person\u2019s 50s. Traditionally, this was when people made their highest incomes; houses were paid off (or almost); children\u2019s schooling was complete. The problem today is that midlife has become a time when more and more people are paying down credit cards instead of paying into savings. But even if that is your reality, you can still plan how to retire with enough means. The key is building your financial literacy early. The sooner you understand the money you\u2019re making, the money you\u2019re spending and the money you\u2019ll need in retirement, the better off you\u2019ll be. Design a plan that addresses your current living needs, including your debt, while also providing for your later years.<\/div><\/div><\/div><div class='mtq_question mtq_scroll_item-1' id='mtq_question-10-1'><table class='mtq_question_heading_table'><tr><td><div class='mtq_question_label '>Question 10<\/div><div id='mtq_stamp-10-1' class='mtq_stamp'><\/div><\/td><\/tr><\/table><div id='mtq_question_text-10-1' class='mtq_question_text'>Once you\u2019ve retired, there\u2019s nothing more you can do to better your financial position.<\/div><table class='mtq_answer_table'><colgroup><col class='mtq_oce_first'\/><\/colgroup><tr id='mtq_row-10-1-1' onclick='mtq_button_click(10,1,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-10-1-1' class='mtq_css_letter_button mtq_letter_button_0'  alt='Question 10, Choice 1'>A<\/div><div id='mtq_marker-10-1-1' class='mtq_marker mtq_wrong_marker' alt='Wrong'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-10-1-1' class='mtq_answer_text'>True<\/div><\/td><\/tr><tr id='mtq_row-10-2-1' onclick='mtq_button_click(10,2,1)' class='mtq_clickable'><td class='mtq_letter_button_td'><div id='mtq_button-10-2-1' class='mtq_css_letter_button mtq_letter_button_1'  alt='Question 10, Choice 2'>B<\/div><div id='mtq_marker-10-2-1' class='mtq_marker mtq_correct_marker' alt='Correct'><\/div><\/td><td class='mtq_answer_td'><div id='mtq_answer_text-10-2-1' class='mtq_answer_text'>False<\/div><\/td><\/tr><\/table><div id='mtq_question_explanation-10-1' class='mtq_explanation'><div class='mtq_explanation-label'>Question 10 Explanation:&nbsp;<\/div><div class='mtq_explanation-text'> The keys are resource management and financial know-how. On your own, or with the help of a financial advisor, figure out what money is coming in, from what sources (Social Security, annuities, pensions, etc.) and on what schedule. Then determine what money is going out (housing and utilities, loan payments, insurance premiums, co-pays, medications, groceries, etc.) and when. Designate a pool of money for daily living expenses and reserve a portion of your savings or income that you can leave untouched for emergencies. Then separate your cash needs from your cash wants; evaluate your lifestyle to see if it matches your bank account and make adjustments if necessary so you can make the most of your money. Even small changes to your daily habits\u2014a less expensive cable plan, eating out once a week instead of three times, shopping at a discount grocery store\u2014can make a difference in the amount of cash you have on hand to enjoy your day.<\/div><\/div><\/div>\n      \n      <div id=\"mtq_results_request-1\" class=\"mtq_results_request mtq_scroll_item-1\">\n\n        Once you are finished, click the button below. 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Put your financial savvy to the test.<\/span><\/p>\n<div class=\"read-more\"><a href=\"http:\/\/78.142.243.82\/~silvercentury\/2018\/05\/debt-and-the-older-adult\/\">Read more <span class=\"screen-reader-text\">Debt and the Older Adult<\/span><span class=\"meta-nav\"> &#8250;<\/span><\/a><\/div>\n<p><!-- end of .read-more --><\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","footnotes":""},"categories":[19,1],"tags":[],"class_list":["post-4331","post","type-post","status-publish","format-standard","hentry","category-quizzes","category-voices-views"],"cc_featured_image_caption":{"caption_text":false,"source_text":false,"source_url":false},"wps_subtitle":"","_links":{"self":[{"href":"http:\/\/78.142.243.82\/~silvercentury\/wp-json\/wp\/v2\/posts\/4331","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/78.142.243.82\/~silvercentury\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/78.142.243.82\/~silvercentury\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/78.142.243.82\/~silvercentury\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"http:\/\/78.142.243.82\/~silvercentury\/wp-json\/wp\/v2\/comments?post=4331"}],"version-history":[{"count":5,"href":"http:\/\/78.142.243.82\/~silvercentury\/wp-json\/wp\/v2\/posts\/4331\/revisions"}],"predecessor-version":[{"id":4398,"href":"http:\/\/78.142.243.82\/~silvercentury\/wp-json\/wp\/v2\/posts\/4331\/revisions\/4398"}],"wp:attachment":[{"href":"http:\/\/78.142.243.82\/~silvercentury\/wp-json\/wp\/v2\/media?parent=4331"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/78.142.243.82\/~silvercentury\/wp-json\/wp\/v2\/categories?post=4331"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/78.142.243.82\/~silvercentury\/wp-json\/wp\/v2\/tags?post=4331"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}