老年人的经济脆弱性:导致持续危机的因素
David B Miller1, Khalil M Brown1, Kathryn Betts Adams2
1Jack Joseph and Morton Mandel School of Applied Social Sciences, Case Western Reserve University, Cleveland, OH, USA.
Journal of aging & social policy
|August 27, 2024
概括
老年人,特别是有色人种,面临着日益增长的经济不安全和债务. 金融脆弱性会影响健康,需要对这些弱势群体进行财务评估和教育.
科学领域:
- 老年学是一门学科.
- 公共卫生 公共卫生
- 经济学 经济学 经济学
背景情况:
- 美国人口正在快速老龄化,这导致老年人经济不安全感的增加.
- 由于长期存在的差异,老年有色人种面临的经济挑战加剧了.
- 诸如COVID大流行,通货膨胀和不平等等因素降低了工资和固定收入的购买力.
研究的目的:
- 为了突出老年人的财务脆弱性日益严重的问题.
- 检查经济不安全对有色人种老年人的不成比例影响.
- 强调金融脆弱性对健康和福祉的后果.
主要方法:
- 对影响退休人员的经济趋势的定性分析.
- 在老年人群中审查债务负担 (抵押,学生贷款,医疗费用).
- 研究种族群体之间的世代财富和债务差异.
主要成果:
- 目前的老年人群面临着来自不同来源的空前债务水平.
- 由于历史上的不平等,黑人老年人比白人老年人持有更多的债务.
- 财务脆弱导致放弃基本需求,并导致慢性健康问题.
结论:
- 金融脆弱性是人口老龄化,特别是少数群体的关键问题.
- 对于与老年人工作的从业者来说,综合财务评估和推至关重要.
- 提高财务素养和意识对于为这些人口服务的专业人士至关重要.
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