Retirement and Young Americans: Something to Think About

When you're young, one of the last things you think about is retirement. Who wants to think about something that's 40 years down the road? Unfortunately, though, given the $6.6 trillion Retirement Income Deficit and the many inadequacies of today's do-it-yourself system, retirement is something that young people should be thinking about.

Data from the Center for Retirement Research at Boston College finds that 56 percent of Generation X households were at risk of not being able to maintain their standard of living in retirement. Additional data from the Congressional Research Service shows that the median 401(k) account balance for workers age 21-35 is only $12,000. That number isn't much better for workers age 35-44 for whom the median 401(k) account balance is a mere $18,000.

Melissa, a senior in college, never thought about retirement until she saw her parents dip into their retirement savings to help make ends meet after her father lost his job. Now, a good retirement plan is high on Melissa's list of things she wants as she searches for jobs. After graduating from college, Noah didn't follow the typical career path of entering corporate America. Instead, he chose to pursue his passion: music. Unfortunately his choice barely pays the bills and, according to Noah, saving for retirement right now just “isn't in the cards.”

These are just two of the many stories that younger Americans have to tell about retirement. What's your story? Read the stories in the Retirement USA Story Bank and give Washington a wake-up call.  

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Vuitton is not a handbag company that I normally look to for my own purchases because of my personal preference toward bags without logos, but its fall accessory offerings were easily some of the best of the entire season. The central idea of the handbag collection was a theme and variations starring the brand’s ever-popular Lockit shape, much like the Speedy iterations that we Michael Kors Outlet saw from Vuitton for Fall 2010. It’s an idea that worked well then and works well now, with the disciplined lines of the Lockit lending themselves seamlessly to the upscale kink of the Vuitton ready-to-wear. Let’s not talk about the fuzzy bags and pretend those never happened, ok? Everything else was too good of a distraction.

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Also, I’m not sure how high-end the weathered circular hardware closures used on many of the bags looks. As much as I loved last season’s Vuitton collection, this one might take some getting used to. Every season, waiting for the louis vuitton bags show is torturous. It comes at the very end of Paris Fashion Week, which is the last city of the season, and its arrival taunts handbag lovers for a full month. Unlike some designers whose brands make a great deal of money from accessories but you largely eschew the use of bags on the runway (we’re looking at you, Yves Saint Laurent), Vuitton knows exactly what we want – THE BAGS. SHOW US THE BAGS. And befitting off all the anticipation, the bags from michael kors Spring 2011 are particularly lovely. Model after model strode the runway with trend-appropriate pastel satchels on their arms, many in wallet-draining crocodile. If you’d like to see one of these beauties in your closet come spring, you best start making the financial arrangements now. Also, I’d recommend ridding your house entirely of foods that cause stains – no red wine around these lovely accessories. It’s been a full month since all of the fashion week festivities started, and they’ve finally come to an end. Showing at the very end of the cycle can either be a blessing or a curse; if what you’ve put together is merely mediocre (or worse, if it’s flat-out bad), critics and buyers are more likely to look harshly on it because of our fatigue at four weeks worth of clothes and accessories. If the collection you’re presenting is as good as beautifully fetishistic michael kors outlet Fall 2011, though, then you get the glorious distinction of closing out the season on a high note and having your clothes by foremost in the minds of editors. Vuitton is not a handbag company that I normally look to for my own purchases because of my personal preference toward bags without logos, but its fall accessory offerings were easily some of the best of the entire season. The central idea of the handbag collection was a theme and variations starring the brand’s ever-popular Lockit shape, much like the Speedy iterations that we Michael Kors Outlet saw from Vuitton for Fall 2010. It’s an idea that worked well then and works well now, with the disciplined lines of the Lockit lending themselves seamlessly to the upscale kink of the Vuitton ready-to-wear. Let’s not talk about the fuzzy bags and pretend those never happened, ok? Everything else was too good of a distraction.

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