AARP International

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As we age...

Talking openly about money helps us save and spend wisely. 



Health care can be a huge expense.

A 2015 survey found nearly 25% of Americans experienced a major, unexpected out-of-pocket medical expense in the prior year and 46% say they currently have debt from that expense.

Federal Reserve Board Survey, 2015


It’s not a matter of if a financial crisis will hit, but when. 

About 60% of American households have faced an expense or loss of income in the past 12 months for which they did not budget.

Pew Charitable Trusts, 2015


Life defining decisions happen when a financial crisis

One in three pre-retirees has less than $2,000 in liquid savings—the cost of a typical worst-case financial shock. Draining that money can alter plans around work, debt, and family. 

AARP, 2016

The Takeaway

Make saving a conversation topic

The Research

Everyone struggles with saving at some point. Talking about it makes it less overwhelming. 

“Americans have been made to feel like failures when it comes to retirement savings. But it is typical for a person to experience setbacks in their retirement savings throughout their lifetime -- 96% of Americans experience four or more income shocks by the time they reach age 70.”

National Endownment for Financial Education, 2017

Having a "buddy" as a support system helps us stick to long-term financial goals.

“85% of respondents believe having someone who understands their financial goals and can assist in holding them accountable would he helpful.”

Naitonal Endownment for Financial Education, 2013.

Most of us don't know what deals we're missing. Talking to people helps us discover tips, tricks, and helpful financial "life hacks."

“A whopping 79% of travel credit cardholders said they have never transferred credit card rewards points to an airline or hotel loyalty program. 72% of respondents said they never check to see if credit card companies are offering new or better sign-up bonuses.”

Princeton Survey Research via The Points Guy, 2015.

Advice from Real People

“When I told my friend I was trying to pay off my student loans, she said she was, too! Now we do fun home-cooked meals over expensive dinners. I’m not embarrassed anymore, and I’m saving a lot.”

"Every year, my partner and I do a ‘Financial Summit.’ We lay out all of our financial, goals, debts, and fears—then make a solid plan. It brings us closer because we don’t have to do this alone.”

"I asked a coworker how he saves for a big trip. He said he has part of his salary deposited into a separate account, for travel money. Now I’m doing the same. This has helped me realize people have good tips to share.”

Redesign Your Time

Through the Living 100 project, AARP seeks to spark a conversation. How can we challenge our own mindsets and attitudes about aging? What do longer lifespans mean for current and future generations? How can we address disparities in race, gender, income, education and geography that can be a matter of life and death? And most importantly, how do institutions and systems need to change so that we are not only living longer, but making the most of our extra time?


Representing nearly 38 million people, AARP strives to ensure Americans aged 50 years and older have access to the care, information, and services they need to lead healthier lives with independence and dignity. Thus, AARP believes it’s time to Disrupt Aging—to reconceive the national conversation on what growing older means. Toward that, in an August 2017 supplemental issue sponsored by AARP, The Gerontologist put the scientific lens to Disrupt Aging via 12 peer-reviewed research papers examining how negative attitudes about aging affect health and quality of life.