Americans at Midlife: Caught between Generations by Rosalie G. Genovese

By Rosalie G. Genovese

American citizens at Midlife is an exploration of the center years in the framework of developments within the greater society, together with longer lifestyles expectancy and an getting older inhabitants; adjustments in marriage, divorce, and relations composition; elevated participation of ladies within the exertions strength; and the expansion of two-income families.Major pursuits at midlife focus on paintings and careers, present and destiny monetary overall healthiness, and making plans for retirement. different significant matters contain relationships with more youthful and older generations: boomerang teenagers who go away domestic and go back, and getting older mom and dad, usually fit and lively now, who may have care of their later years.The publication starts with a dialogue of ways demographic and social adjustments have an effect on midlife, by means of chapters on paintings and retirement making plans or searching for the great years, the not-so-empty nest, and getting older mom and dad. A bankruptcy on mid-life girls considers the consequences of mixing paintings and caregiving and increases issues approximately their monetary future health, given their longer lifestyles expectancy and infrequently extra constrained assets. The ebook ends with a attention of coverage concerns which may impact midlife sooner or later.

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S. Bureau of the Census 1988, 2). Parents who assume these additional costs may have to divert money from retirement savings or cut back on vacations and leisure activities. However, financial planners caution against spending retirement savings to support an adult child (Rowland 1991, F16). Adult children grappling with mental health or drug problems may need social as well as financial support. They may have trouble living independently and making their own decisions. A few may require long-term or even life-long financial and social support from their parents.

Economic Security at Midlife 25 Since employees have more responsibility for retirement saving today, educate yourself and make informed choices. A summary of suggestions offered earlier in the chapter includes: • • • • • Learn about the risks and rewards of various types of investments. Determine your risk tolerance. If you are worried about losing money, you may want to start conservatively and perhaps gradually take more risk. Invest with your specific time horizon in mind. The longer the time till retirement, the more risk you can assume.

To a large extent, the issues stem from the fact that these "nontraditional" households fall outside the parameters set by those who make policy and set regulations. Financial assistance can be essential for grandparents on low or fixed incomes. The two main public sources of income support for grandchildren are Aid to Families with Dependent Children (AFDC) and foster-care stipends. Grandparents are eligible for AFDC because grandchildren are related by "blood, marriage or adoption" and live in the household (Chalfie 1994, 6).

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