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Empty-nesters Don’t Save For Retirement Once The Kids Leave

Parents spend it on travel, home renovations – and having fun.

It makes perfect sense – or does it?

A full house must make it harder to save for retirement, since kids are expensive, right? Even when they’re over 18, they might be in college or still living at home until they get that good job that they’re seeking.

The expectation is that once the kids move out of the house for good, the parents can save more for retirement and be ready for their golden years.

Don’t bet on it. Because you’d be wrong.

The latest study for the Center for Retirement Research at Boston College shows that empty-nesting parents aren’t saving more after the kids are out the door. Instead, they’re spending their money it more than ever, putting a comfortable retirement in jeopardy.

“There’s long been a debate in retirement research about how parents react when their kids leave,” says Geoff Sanzenbacher, a research economist at Boston College who participated in the study. “We found that when the kids leave, we don’t see a large increase in their 401(k) plans. Given how people save for retirement these days, we would have expected to see that.”

That’s surprising because when you go from a household with the parents and two children to just the parents, that’s a lot of extra money that could be saved.

“The debate has implications on how prepared people are for retirement,” Sanzenbacher says. “If when the kids do leave and people start saving a lot more, obviously they’re more likely to be prepared for retirement than if they don’t.”

The numbers show that parents in the study with access to a 401(k) saved about 7 percent of their income a year in those plans, he says. The most it grows to on average is 8 percent for those parents, and sometimes there’s not much a discernable increase.

So what are they doing with the money?

Sanzenbacher says the study doesn’t answer that, but the evidence points to people spending it on renovation projects around the house, including kitchen remodels. The parents are also traveling more, he says.

“I know my parents have traveled more since we got done with college, and I think they take it as a chance to do the things they couldn’t do when the kids were around,” Sanzenbacher says. “That’s my reading of it. When the kids leave, they don’t view it as a chance to save more but a chance to spend more. The kids were around for so long, and now it’s time to have some fun.”

That let’s-have-fun attitude causes concern because people aren’t saving enough for their retirement as it is, Sanzenbacher says. This was one of the best opportunities to change that equation. Instead, some Baby Boomers are supporting their adult children, and are otherwise spending more in general. So maybe rather than buying dinner at a family restaurant for four, the parents are going to a fancier restaurant by themselves.

“We’re concerned,” Sanzenbacher says. “The evidence suggests that a lot of people won’t be ready for retirement. If we did see that people increased their savings, we would be less concerned.”

Sanzenbacher advises people to heed this advice and plan. When the kids leave, budgeting becomes even more important. Empty nesters could spend at least half of the money and save the other half at a minimum, he says. That means putting the extra funds in their 401(k) plan. It’s also a good time to plan for their retirement by deciding to work longer than they originally planned to do.

“That way people won’t have to dip into their retirement savings so early and so you don’t have to live off your retirement so long,” Sanzenbacher says. “One other way to save a little more money is to put it into the mortgage. It doesn’t have to be their 401(k). Taking some of that extra money and putting it somewhere it’s going to be an asset for later is valuable.”

Sanzenbacher says a small amount of people already do that, but researchers hoped even more people were opting for that strategy if they weren’t putting it into their 401(k). None of it is enough to offset the fears that people aren’t saving enough. Retirement savings are taking a hit as it is.

“The big news is that when the kids leave, see it as an opportunity to save a little bit more,” Sanzenbacher says. “It’s OK to have a little more fun, but saving a little bit more helps and it doesn’t take a lot of hassle to do that.”

 

 

 

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    In December of 2017, Donald Trump made history by recognizing Jerusalem as the captial of Israel. Why is this big news? Because by this the Jewish people of Israel are now able to press forward in bringing about the Third Temple prophesied in the Bible.

    Jewish Rabbis have publicly announced that their Messiah will be revealed in the coming years who will be a leader and spiritual guide to all nations, gathering all religions under the worship of one God. They deny Jesus as their Messiah, and the Bible tells us this Jewish Messiah will be the counterfiet that will bring about a false peace, and ultimatley the great tribulation.

    They even printed a coin to raise money for the Temple with Donald Trumps face on the front and with king Cyrus'(who built the second Temple) behind him. On the back of the coin is an image of the third Temple.

    More importantly, the power that runs the world wants to put a RFID microchip in our body making us total slaves to them. This chip matches perfectly with the Mark of the Beast in the Bible, more specifically in Revelation 13:16-18:

    “He causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666.”

    Referring to the last days, this could only be speaking of a cashless society, which we have yet to see, but are heading towards. Otherwise, we could still buy or sell without the mark amongst others if physical money was still currency. This Mark couldn’t be spiritual because the word references two different physical locations. If it was spiritual it would just say in the forehead. RFID microchip implant technology will be the future of a one world cashless society containing digital currency. It will be implanted in the right-hand or the forehead, and we cannot buy or sell without it! We must grow strong in Jesus. AT ALL COSTS, DO NOT TAKE IT!

    “Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name” (Revelation 14:9-11).

    People have been saying the end is coming for many years, but we needed two key things. One, the Third Temple, and two, the technology for a cashless society to fulfill the prophecy of the Mark of the Beast.

    Visit http://WWW.BIBLEFREEDOM.COM to see proof for these things and much more!

    If you haven’t already, it is time to seek God with all your heart. Jesus loves you more than you could imagine. He wants to have a relationship with you and redeem you from your sins. Turn to Him and repent while there is still hope! God bless!

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    I want to pass along some very important news that everyone needs to hear!

    In December of 2017, Donald Trump made history by recognizing Jerusalem as the captial of Israel. Why is this big news? Because by this the Jewish people of Israel are now able to press forward in bringing about the Third Temple prophesied in the Bible.

    The Jewish people deny Jesus as their Messiah and have stated that their Messiah has been identified and is waiting to be revealed. They say this man will rule the world under a one world religion called “spiritualism”.

    They even printed a coin to raise money for the Temple with Donald Trumps face on the front and with king Cyrus'(who built the second Temple) behind him. On the back of the coin is an image of the third Temple.

    The Bible says this false Messiah who seats himself in the Third Temple will be thee antichrist that will bring about the Great Tribulation, though the Jewish people believe he will bring about world peace. It will be a false peace for a period of time. You can watch interviews of Jewish Rabbi’s in Israel speaking of these things. They have their plans set in place. It is only years away!

    More importantly, the power that runs the world wants to put a RFID microchip in our body making us total slaves to them. This chip matches perfectly with the Mark of the Beast in the Bible, more specifically Revelation 13:16-18:

    He causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666.

    Referring to the last days, this could only be speaking of a cashless society, which we have yet to see, but are heading towards. Otherwise, we could still buy or sell without the mark amongst others if physical money was still currency. RFID microchip implant technology will be the future of a one world cashless society containing digital currency. It will be implanted in the right-hand or the forehead, and we cannot buy or sell without it! We must grow strong in Jesus. AT ALL COSTS, DO NOT TAKE IT!

    Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name.” (Revelation 14:9-11).

    People have been saying the end is coming for many years, but we need two key things. One, the Third Temple, and two, the technology for a cashless society to fulfill the prophecy of the Mark of the Beast.

    VISIT http://WWW.BIBLEFREEDOM.COM TO SEE PROOF FOR THESE THINGS AND MUCH MORE! TELL YOUR FRIENDS AND FAMILY. SHARE THIS MESSAGE!

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    I want to pass along some very important news that everyone needs to hear!

    In December of 2017, Donald Trump made history by recognizing Jerusalem as the captial of Israel. Why is this big news? Because by this the Jewish people of Israel are now able to press forward in bringing about the Third Temple prophesied in the Bible.

    The Jewish people deny Jesus as their Messiah and have stated that their Messiah has been identified and is waiting to be revealed. They say this man will rule the world under a one world religion called “spiritualism”.

    They even printed a coin to raise money for the Temple with Donald Trumps face on the front and with king Cyrus'(who built the second Temple) behind him. On the back of the coin is an image of the third Temple.

    The Bible says this false Messiah who seats himself in the Third Temple will be thee antichrist that will bring about the Great Tribulation, though the Jewish people believe he will bring about world peace. It will be a false peace for a period of time. You can watch interviews of Jewish Rabbi’s in Israel speaking of these things. They have their plans set in place. It is only years away!

    More importantly, the power that runs the world wants to put a RFID microchip in our body making us total slaves to them. This chip matches perfectly with the Mark of the Beast in the Bible, more specifically Revelation 13:16-18:

    He causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666.

    Referring to the last days, this could only be speaking of a cashless society, which we have yet to see, but are heading towards. Otherwise, we could still buy or sell without the mark amongst others if physical money was still currency. RFID microchip implant technology will be the future of a one world cashless society containing digital currency. It will be implanted in the right-hand or the forehead, and we cannot buy or sell without it! We must grow strong in Jesus. AT ALL COSTS, DO NOT TAKE IT!

    Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name.” (Revelation 14:9-11).

    People have been saying the end is coming for many years, but we need two key things. One, the Third Temple, and two, the technology for a cashless society to fulfill the prophecy of the Mark of the Beast.

    VISIT http://WWW.BIBLEFREEDOM.COM TO SEE PROOF FOR THESE THINGS AND MUCH MORE! TELL YOUR FRIENDS AND FAMILY. SHARE THIS MESSAGE!

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