b'3 4 5 CONTENTSECONOMIC PREPARATION CROSS-NATIONAL HEALTHTRACKING THE IMPACT OF FOR RETIREMENT DISPARITIES AND THE GREAT RECESSIONUS DISADVANTAGE50READY OR NOT? 84EFFECTS OF THE GREAT Determining Adequacy 67GOING GLOBAL RECESSIONThe Composition of Wealth Effects on Wealthat Retirement The HRS Family of Studies Effects on Retirement ExpectationsSocial Security Replacement Rates Differences in Disease Rates Effects on Work StatusGender Differences in and Mortality Social Security ClaimingRetirement Preparation Differences in Physical Functioning Spending ChangesThe Changing Pension Landscape The Role of Lifestyle and Vulnerable GroupsHealth Behaviors57WHY DO WE SAVE? Differences in Cognitive Functioning Medical Costs Detecting and TreatingFinancial Literacy and Planning More DiseasePersonality Investigating the Source ofEmployer Incentives US DisadvantageThe Retirement-Consumption76UNDERSTANDING HEALTH Puzzle DISPARITY IN THE USWhere Does the Money Go?Disease and DisadvantageMaking Money Last Neighborhood EffectsChildhood Influences onLater Life HealthCompound DisadvantageIN CLOSING | REFERENCES | GLOSSARY 92IN CLOSING93REFERENCES103GLOSSARY3'