虽然财务顾问永远不会停止指出早期储蓄的重要性，但许多30 - 某些事情往往不会专注于这种需求 - 少了一切阶级工人的需求。但退休保证处于最前沿贝利童人意识。2015年，Wellesley College的32岁毕业于2007年是全国公共养老金联盟的新执行主任，该组织于2007年成立，与国家和地方组织合作，促进退休保障和界定福利的重要性公共部门工人退休计划。Before taking the helm at the NPPC, Childers served as a grassroots organizer for the American Federation of State, County and Municipal Employees, the largest union of U.S. public workers, and at the Center on Budget and Policy Priorities, a Washington-based nonprofit research organization. “We have to look at what works for pension plans,” she says. With the 2008 financial crisis now receding, some pension systems have begun to recover, making this a good time to step back and assess the situation. Part of the discussion, Childers adds, should be “about how we get back to better models of shared risk,” as opposed to 401(k) plans, which some investors depleted when the going got rough. Another key area: retirement security for minorities, especially women, whose often-lower incomes make their 401(k)s particularly vulnerable. That’s especially the case when they have to take time off to care for children or parents, deepening their dependence on their husbands’ income.
