Teresa Ghilarducci
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Teresa Ghilarducci
@tghilarducci.bsky.social

Labor economist focusing on #retirement security. Director, Schwartz Center for Economic Policy Analysis (SCEPA)

Teresa Ghilarducci is an American scholar on labor and retirement issues. She has advocated for government to extend occupational retirement plan coverage to all workers. She published Rescuing Retirement in 2018; the book makes the case for a Guaranteed Retirement Account that would supplement Social Security. In 2016 she wrote a popular book, How to Retire with Enough Money: And How to Know What Enough Is. One of her most recent books, When I’m Sixty Four: The Plot Against Pensions and the Plan to Save Them, investigates the loss of pensions on older Americans and proposes a comprehensive system of reform. Her previous books include Labor's Capital: The Economics and Politics of Employer Pensions, winner of an Association of American Publishers award in 1992, and Portable Pension Plans for Casual Labor Markets, published in 1995. Ghilarducci is an executive board member of the Economic Policy Institute, a member of the Retirement Security Advisory Board for the Government Accountability Office, court appointed trustees for the retiree health care trusts for UAW retirees of GM, Ford, and Chrysler and the USW retirees of Goodyear Tire. Ghilarducci won an Association of American Publishers award for her book Labor's Capital: The Economics and Politics of Employer Pensions in 1992. She previously taught economics for 25 years at the University of Notre Dame. .. more

Business 43%
Economics 30%

Saying Americans should “work a year longer to help the economy” ignores the truth: most can’t choose to work longer. Jobs, health, caregiving & a weak retirement system shape real outcomes. We need stronger retirement security & policies that match lived realities.

www.msn.com/en-us/money/...
MSN
www.msn.com

The California billionaire tax isn’t just about revenue. It’s about belonging — and recognizing that giving back strengthens community, not just budgets.

www.forbes.com/sites/teresa...
California Billionaire Tax Debate Centers on Inequality and Belonging
The California Billionaire Tax debate highlights inequality, low effective tax rates for the ultra‑rich, and the human impact of proposed cuts
www.forbes.com

www.forbes.com/sites/teresa... Some said my Forbes essay on taxes and neurotransmitters was a fresh new angle on the old topic of wealth taxes? Is it?
California Billionaire Tax Debate Centers on Inequality and Belonging
The California Billionaire Tax debate highlights inequality, low effective tax rates for the ultra‑rich, and the human impact of proposed cuts to health care and education.
www.forbes.com

For many Americans, “retirement” accounts aren’t for retirement -- they’re emergency lifelines. Evidence shows workers are draining 401(k)s to cover basic needs, sacrificing future security. We need retirement reform.
@forbes.com

www.forbes.com/sites/teresa...

Thrilled that my latest piece was selected as today’s Forbes Editor’s Pick! My new piece is about the Dells’ $6.25B pledge to expand Trump’s child accounts — and why design flaws still leave many kids behind.

Read the article here: www.forbes.com/sites/teresa...
Trump Accounts vs. Baby Bonds: Who Truly Benefits?
Explore how Trump accounts compare to baby bonds, why tax policy favors wealthy families, and what economists propose to close the racial wealth gap.
www.forbes.com

Reposted by Teresa Ghilarducci

Reposted by Teresa Ghilarducci

Call for Papers!
Early-career economists & social scientists: Submit your research for our Spring 2026 conference, Reimagining the Economics of Late Life. We welcome work on aging, disability, equity & policy.

Deadline: Dec 31, 2025
More info & submit:
www.economicpolicyresearch.org/center-annou...
Call for Papers — ECONOMIC POLICY RESEARCH
Reimagining the Economics of Late Life Institutions, Systems, and Investments Spring 2026 Conference – May 1, 2026 | The New School, New York City
www.economicpolicyresearch.org

Reposted by Teresa Ghilarducci

Reposted by Teresa Ghilarducci

Honored to join Bloomberg TV Wall Street Week to discuss the urgent need to strengthen America’s retirement system. Other countries are taking meaningful steps - and there is a lot we can learn to ensure workers retire with dignity and security.

Full segment: www.bloomberg.com/news/videos/...
Can the World Afford to Retire? How One Country is Addressing the Crisis
Around the world, market forces – low interest rates, longer lives, workers changing jobs – are testing underfunded pension plans. We explore how the world should rethink financial security for aging ...
www.bloomberg.com

New analysis: 50-year mortgages offer lower monthly payments — but at what cost? In my latest @Forbes piece, I dive into how stretching the term to 50 years may slow equity building and amplify lifetime interest burdens.

www.forbes.com/sites/teresa...
Trump’s 50-Year Mortgage: Lower Payments, Higher Lifetime Cost
A 50-year mortgage is a re-timing device: it improves near-term liquidity but increases lifetime interest, slows equity, and extends leverage later into the life cycle.
www.forbes.com

Reposted by Teresa Ghilarducci

Reposted by Teresa Ghilarducci

Reposted by Teresa Ghilarducci

Precarious work in midlife doesn’t just affect today’s paycheck - it shapes when people can retire.

Read The Precarity Trap in Generations Journal:
by Duygu Başaran Şahin, Frank W. Heiland & Na Yin
generations.asaging.org/the-precarit...
The Precarity Trap - ASA Generations
Employment instability in midlife and the challenge of working full-time past age 62.
generations.asaging.org

Reposted by Teresa Ghilarducci

Reposted by Teresa Ghilarducci