Nobody Told You the Pension Was Gone
The retirement numbers nobody says out loud, and what still worksBy Nadia Brandt
Length5h 58m
About this audiobook
Somewhere there is a statement you have not opened. You could work out the number in twenty minutes. You have not, because you already expect the answer.
Here it is. Count everybody, and the median working American has $955 saved for retirement. If you thought you were unusual, you are not. You are the median.
The pension was replaced by an account you were expected to fill alone, and nobody ever said how much. Around 42 percent of full-time workers were never given a plan at all. And the old-age fund runs out of reserves in late 2032, eleven years before a fifty-year-old retires.
None of that was announced.
This book works out what is actually left. Working longer. Claiming later. Reducing what you spend, where a dollar a month is worth twenty-five dollars of capital. Collecting what you are already owed.
No moralising. No allocation advice. No promise that it will be fine. An accurate account of where you stand, and a few things that still work.
Audiobook details
GenreBusiness and Economics
Length5 hrs 58 mins
Narrated byListen with 1,000+ voices
FormateBook with Audio
Publish dateSep 6, 2026
LanguageEnglish
Table of contents
1Opening
2Introduction. The Sum You Have Not Done
3Part One. What Was Taken Away
4Chapter one. Nobody Started at Twenty-Five
5Chapter two. The Promise That Was Taken Back
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6Chapter three. Half the Country Was Never Invited
7Part Two. The Arithmetic Underneath
8Chapter four. Two Point Seven Workers
9Chapter five. The Date in the Middle of Your Plan
10Chapter six. Wages Are the Other Half
11Chapter seven. The Same Arithmetic Everywhere
12Part Three. Where You Actually Stand
13Chapter eight. The Number You Are Afraid to Work Out
14Chapter nine. What Compounding Can and Cannot Still Do
15Part Four. If You Can Still Save
16Chapter ten. The Biggest Lever Is the One Nobody Wants
17Chapter eleven. When You Claim
18Chapter twelve. The Order to Do Things In
19Part Five. If You Cannot
20Chapter thirteen. What You Are Owed and Have Not Claimed
21Chapter fourteen. Housing Is the Whole Budget
22Chapter fifteen. The Cost of Being Cared For
23Chapter sixteen. When the Answer Is That It Does Not Add Up
24Part Six. When It Starts
25Chapter seventeen. Taking the Money Out
26Conclusion. What You Were Never Told
27Closing
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