Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44 Page 45 Page 46 Page 47 Page 48 Page 49 Page 50 Page 51 Page 52 Page 53 Page 54 Page 55 Page 56 Page 57 Page 58 Page 59 Page 60 Page 61 Page 62 Page 63 Page 64 Page 65 Page 66 Page 67 Page 68 Page 69 Page 70 Page 71 Page 72 Page 73 Page 74 Page 75 Page 76 Page 77 Page 78 Page 79 Page 80 Page 81 Page 82 Page 83 Page 84 Page 85 Page 86 Page 87 Page 88 Page 89 Page 90 Page 91 Page 92 Page 93 Page 94 Page 95 Page 96 Page 97 Page 98 Page 99 Page 100 Page 101 Page 102 Page 103 Page 104 Page 105 Page 106 Page 107 Page 108CONTENTS 5 4 3 3 50 READY OR NOT? Determining Adequacy The Composition of Wealth at Retirement Social Security Replacement Rates Gender Differences in Retirement Preparation The Changing Pension Landscape 57 WHY DO WE SAVE? Medical Costs Financial Literacy and Planning Personality Employer Incentives The Retirement-Consumption Puzzle Where Does the Money Go? Making Money Last 67 GOING GLOBAL The HRS Family of Studies Differences in Disease Rates and Mortality Differences in Physical Functioning The Role of Lifestyle and Health Behaviors Differences in Cognitive Functioning Detecting and Treating More Disease Investigating the Source of US Disadvantage 76 UNDERSTANDING HEALTH DISPARITY IN THE US Disease and Disadvantage Neighborhood Effects Childhood Influences on Later Life Health Compound Disadvantage 84 EFFECTS OF THE GREAT RECESSION Effects on Wealth Effects on Retirement Expectations Effects on Work Status Social Security Claiming Spending Changes Vulnerable Groups ECONOMIC PREPARATION FOR RETIREMENT CROSS-NATIONAL HEALTH DISPARITIES AND US DISADVANTAGE TRACKING THE IMPACT OF THE GREAT RECESSION IN CLOSING | REFERENCES | GLOSSARY 92 IN CLOSING 93 REFERENCES 103 GLOSSARY