Teresa Ghilarducci is professor of economics and policy analysis at the New School for Social Research in New York City. She serves as the director of the Schwartz Center for Economic Policy Analysis and the New School’s Retirement Equity Lab (ReLab). She also writes a regular column for Forbes’s #RetireWell blog.

"Ghilarducci presents a grim view of the current ominous realities of retirement in the United States and offers recommendations for improvement. . . She shares true stories of people locked into jobs not because they love to work but because they must, and her meticulous research analyzes how working longer does little to improve retirement security and inadequate pensions. . . This highly recommended book focuses on middle- and lower-income people who do not have millions in their retirement accounts and who are particularly concerned about the retirement possibilities that their children and grandchildren will have."

• Foreword by E. J. Dionne Jr.Part I: How the Working-Longer Consensus Made the Retirement Crises WorseChapter 1: The Erosion of Retirement and the Rise of Retirement InequalityChapter 2: The Shift to Retirement InsecurityPart II: The Hidden Costs of Working LongerChapter 3: Working Longer Is Often Not a ChoiceChapter 4: Working Longer Can Harm Your HealthChapter 5: Working Longer Creates Unequal Retirement TimeChapter 6: Working Longer Does Little to Improve Retirement SecurityChapter 7: When Older Workers Lose, All Workers LoseChapter 8: The High Cost of Bad PensionsPart III: The Gray New DealChapter 9: Good Jobs for Older WorkersChapter 10: Creating Better PensionsNotesBibliographyIndex

Teresa Ghilarducci is professor of economics and policy analysis at the New School for Social Research in New York City. She serves as the director of the Schwartz Center for Economic Policy Analysis and the New School’s Retirement Equity Lab (ReLab). She also writes a regular column for Forbes’s #RetireWell blog.

"Ghilarducci presents a grim view of the current ominous realities of retirement in the United States and offers recommendations for improvement. . . She shares true stories of people locked into jobs not because they love to work but because they must, and her meticulous research analyzes how working longer does little to improve retirement security and inadequate pensions. . . This highly recommended book focuses on middle- and lower-income people who do not have millions in their retirement accounts and who are particularly concerned about the retirement possibilities that their children and grandchildren will have."

• Foreword by E. J. Dionne Jr.Part I: How the Working-Longer Consensus Made the Retirement Crises WorseChapter 1: The Erosion of Retirement and the Rise of Retirement InequalityChapter 2: The Shift to Retirement InsecurityPart II: The Hidden Costs of Working LongerChapter 3: Working Longer Is Often Not a ChoiceChapter 4: Working Longer Can Harm Your HealthChapter 5: Working Longer Creates Unequal Retirement TimeChapter 6: Working Longer Does Little to Improve Retirement SecurityChapter 7: When Older Workers Lose, All Workers LoseChapter 8: The High Cost of Bad PensionsPart III: The Gray New DealChapter 9: Good Jobs for Older WorkersChapter 10: Creating Better PensionsNotesBibliographyIndex