Скачать или смотреть The Retirement Crisis: Why You Will Never Retire

Retirement is a promise that won’t be kept. For most of us, the traditional idea of stopping work at sixty-five to live on a pension and Social Security is no longer a reality—it’s a statistical impossibility.

This video dives into the uncomfortable truth that politicians and financial advisors won't say out loud: the system as we know it is failing. We break down the historical shift from the 1935 retirement model to the present day, showing how longer life expectancies, the death of private pensions, and the depletion of Social Security funds have created a perfect storm.

The Breaking Points:
The Longevity Gap: In 1935, life expectancy was 61; the system was designed for people who would likely die before collecting. Today, people collect benefits for an average of 13 years, straining a system built for a fraction of that time.

The Dependency Ratio: In 1950, there were 16 workers for every 1 retiree. By 2035, that number will drop to just 2.

The Savings Trap: The median 401(k) balance for Americans aged 55–64 is only $71,000—a sum that yields roughly $235 a month under the 4% rule.

The Healthcare Wildcard: A retiring couple today can expect to spend over $315,000 on healthcare alone, a cost that can wipe out even the most diligent savings.

This isn't just a personal finance issue; it’s a systemic crisis. We discuss why you'll likely work longer than planned, the rising "de facto" retirement age, and the steps you must take now to adapt to a world where the old rules no longer apply.

Video Chapters
0:00 - The Broken Promise: Why your retirement plan is based on a lie.

1:50 - A Recent Invention: The history of retirement and why it worked for 50 years.

3:45 - The Social Security Math: Why the system is projected to cut benefits automatically by 2034.

5:30 - The Death of Pensions: How the shift to 401(k)s left most people with almost nothing.

7:15 - The $71,000 Median: Why "saving more" isn't enough when wages are flat.

9:10 - Healthcare & Inflation: The silent killers that destroy retirement accounts.

11:00 - The New Retirement Age: Why 70 is the new 65 (and why it’s happening quietly).

13:20 - Survival Strategies: Six practical steps to take if you want to avoid destitution.

15:45 - A Systemic Crisis: The broader societal impact of a generation that can't afford to stop working.