Teresa Ghilarducci
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tghilarducci.bsky.social
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%

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

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

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

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

Join us 12/2 for a Heilbroner Center event celebrating "The Contested Domain: Selected Writings on Marxism & Feminism" by Lise Vogel, edited by Kirstin Munro, Asst. Prof. of Economics, NSSR. The work spans five decades of Vogel’s work in Marxist & feminist theory.
event.newschool.edu/marxistfemin...

Reposted by Teresa Ghilarducci

Reposted by Teresa Ghilarducci

New in Generations: “Supporting LGBTQ Older Adults in Retirement Through Research and Advocacy” explores the financial challenges LGBTQ+ elders face & calls for transformative approaches to Social Security and retirement policy.

Read more: generations.asaging.org/supporting-l...
Supporting LGBTQ Older Adults in Retirement Through Research and Advocacy - ASA Generations
Analyzing previous research in this cohort and new study group findings on financial issues in retirement.
generations.asaging.org

“Automatic stabilizers” like unemployment insurance, healthcare access & Social Security are essential — not optional. The LA Times argues that bold leadership must restore the idea of government as the solution, not the problem.
Read the article: www.latimes.com/california/s...
Commentary: How can Newsom stay relevant? Become the new FDR
The spotlight of Proposition 50 has gone cold. How can Gov. Gavin Newsom remain nationally relevant in his run for the White House?
www.latimes.com

Reposted by Teresa Ghilarducci

Now in Generations Journal - The new article by Frank Heiland, Joelle Saad-Lessler & Karen Richman explains how the RET affects income and work decisions and why it’s often misunderstood by those most impacted.
generations.asaging.org/the-social-s...
The Social Security Retirement Earnings Test - ASA Generations
What lower-income workers and retirees need to know.
generations.asaging.org

Reposted by Teresa Ghilarducci

Reposted by Teresa Ghilarducci

"Understanding Late Arriving Immigrants’ Social Security Eligibility and Retirement Security"
Almost half of Social Security “never beneficiaries” are immigrants who arrived later in life—working longer, yet often excluded from key benefits.

Read more: generations.asaging.org/understandin...
Understanding Late Arriving Immigrants’ Social Security Eligibility and Retirement Security - ASA Generations
This overlooked group faces steep barriers to finding work and then to accessing social safety net programs.
generations.asaging.org

Reposted by Teresa Ghilarducci