[分享]A Man is Not a Financial Plan

Jun · Post by **Jun** » 2006-08-03 7:23

Ran into some numbers today. Interesting. The title is a quote and I don't intend to take credit for it.

Women and Men in Retirement: The Facts

Life expectancy at 65
Men: 16.8 years (live until 81.

Women: 19.8 years (live until 84.

Population 65 and older living alone
Men: 28% Women: 59%

Population 85 and older living alone
Men: 46% Women: 87%

Median number of years spent in the work force (for workers retired in 2000)
Men: 44 Women: 32

Average Social Security monthly benefit when started at 62
Men: $995.40 Women: $788

Average Social Security monthly benefit when started at 65
Men: $1,261.50 Women: $940.10

Population 65 and older living below poverty line
Men: 7% Women: 12%

Baby boomers' home equity in 2001 (before the big run-up in home prices)
Married couples: $75,000 (35% of total net worth)
Unmarried male householders: $52,000 (44% of total net worth) Unmarried female householders: $47,000 (51% of total net worth)

Net worth of baby boomers who rent
Married couples: $10,040
Unmarried men: $10,250 Unmarried women: $3,320

Sources: US Census (2004 American Community Survey); Harvard Generations Policy Program (Baby Boomer Women: Secure Futures or Not, July 2006); Social Security Administration; National Center for Health Statistics.

tuscany · Post by **tuscany** » 2006-08-03 10:34

The conclusion: if I had been a les, I would have been able to enjoy a much better retired life.

神啊，让我弯吧。

密斯张三 · Post by **密斯张三** » 2006-08-03 21:51

tuscany大概比较讲究门当户对。要我说，老男生都上天堂了，正好找小男生顶替。

笑嘻嘻 · Post by **笑嘻嘻** » 2006-08-03 21:55

三小姐高啊。

Knowing · Post by **Knowing** » 2006-08-03 22:00

老了也不必非得跟小男生玩，跟其他老太太扎堆晒太阳嚼舌头就挺好的。噢我现在就在干这个，不用等老了。

笑嘻嘻 · Post by **笑嘻嘻** » 2006-08-03 22:15

能不能既找小男生玩，又跟其他老太太扎堆晒太阳嚼舌头？我真贪心。

密斯张三 · Post by **密斯张三** » 2006-08-03 22:54

你想得美！一个人的时间用在哪里是看得见的。

tuscany · Post by **tuscany** » 2006-08-03 23:15

三小姐啊，我怎么觉得跟小男生一起玩除了眼睛吃吃冰激凌，没有实际好处 -- 在一起时要发挥母爱当他的学校；还喂不家，都要跑的。我很有自知之明地说，我不是那个杜什么斯。

Knowing · Post by **Knowing** » 2006-08-04 14:16

tuscany wrote:三小姐啊，我怎么觉得跟小男生一起玩除了眼睛吃吃冰激凌，没有实际好处 -- 在一起时要发挥母爱当他的学校；还喂不家，都要跑的。我很有自知之明地说，我不是那个杜什么斯。

你一看就是做妈而不是做糖妈的人，太劳心。你要喂家了干吗？平时跟你玩儿，到饭点儿让他回自己家吃饭，让他亲妈喂食儿。他要翅膀长硬了就让他飞去，他不飞三小姐还得撵他腾地儿出来 -- 下一代新鲜水灵扑扑脆的小男生睁著天真好奇无知的眼睛都成长起来了

tuscany · Post by **tuscany** » 2006-08-04 14:49

你要喂家了干吗？平时跟你玩儿，到饭点儿让他回自己家吃饭，让他亲妈喂食儿。

喂家了起码可以有点实际用处；能真正陪我玩儿得开心陪我八卦的比较entertaining的男生都是弯达，要不然，还是女朋友更可心。

等等，我兴奋地发现，搞不好我骨子里就是弯的呀。

密斯张三 · Post by **密斯张三** » 2006-08-04 14:59

哪儿啊，托斯卡尼同学一看就是一文艺同人女。:mrgreen: 我不信你那些（“都是”……复数！）弯达蜜男都得要你喂。真喂家了，带着游戏机，匹萨饼，脏袜子，上翻的马桶盖板赖着不走了，怎生处。

不过真爱当糖妈妈的说不定喜欢默默奉献这一套，比如anais nin也给小年青艺术学生做早餐。

Net worth of baby boomers who rent
Married couples: $10,040
Unmarried men: $10,250 Unmarried women: $3,320

这段说明什么，单身女性会花钱？结了婚更额外花掉 $10,250+3,320-10,040= 3530刀？两个人过不比一个人更费的说法是大myth?

Knowing · Post by **Knowing** » 2006-08-04 15:50

密斯张三 wrote:不过真爱当糖妈妈的说不定喜欢默默奉献这一套，比如anais nin也给小年青艺术学生做早餐。

有可能，我默默奉献给文艺狸一双减价黑色丝绒四寸跟高跟鞋的事情，除了在她的博上说过几次，就从来没跟大家提。
嗯，你是说这不算默默的？那anais nin 也不算默默的吧。

密斯张三 · Post by **密斯张三** » 2006-08-04 16:12

这等好事。那我也报名：现缺一双舒适合脚的跳舞鞋子。36码我能穿，能穿。
咦，我不是要做糖妈shuffle小男生的吗，怎么自己做了盐的女儿。

Knowing · Post by **Knowing** » 2006-08-04 16:21

号码合适就好，那双鞋你跟狸狸可以轮着穿。

我很赵世曾的说。

Jun · Post by **Jun** » 2006-08-04 19:26

引用:

Net worth of baby boomers who rent
Married couples: $10,040
Unmarried men: $10,250 Unmarried women: $3,320

这段说明什么，单身女性会花钱？结了婚更额外花掉 $10,250+3,320-10,040= 3530刀？两个人过不比一个人更费的说法是大myth?

Unmarried babyboomers are in their 60s and are largely divorced or widowed. We're not talking about single women and men like ... me.

Divorced and widowed women in their 60s have far less savings or net worth than men, because they have been much less likely to have worked, much less paid, worked much shorter duration in their lives. Moreover, even if they have worked, most of them were not used to managing their own money and left all the financial planning to their husbands. When the husbands die or divorce them for the younger chics, the wives are left with nothing. Or they don't even know where all the financial papers are.

That's the point of the quote "A Man is Not a Financial Plan." A wife needs to not only know what her husband's insurance policy is for and where it is, but also actively participate in the management of family finance. Our generation and Chinese or Japanese women may find it hard to believe that American women of the baby boomer generation are so hands-off on family finances.

狸狸 · Post by 狸狸 » 2006-08-04 20:05

Knowing wrote:号码合适就好，那双鞋你跟狸狸可以轮着穿。我很赵世曾的说。

现在可已经由不得你了……

笑嘻嘻 · Post by **笑嘻嘻** » 2006-08-04 22:15

我昨天晚上做梦买了好几双鞋，什么颜色的都有，浅绿，浅紫。一醒来都没了。