Less than 1% of houses are accessible and that is a problem with aging boomers, SIL bought a home near parents to support them but when the stroke and dementia hit, the parents couldn't move in because no bedroom and only a powder room on the main floor, and they couldn't make it up/down the stairs anymore, and the parents house was too small to move into.
Lots of ways to get money from the table.
"In addition, at the time of research, there are five states (Alabama, Maryland, Rhode Island, Tennessee, Texas) and two provinces (Northwest Territories and Prince Edward Island) with only 1 resort remaining. Details of state/province/territory data can be seen in Table 2."
I found it hard to believe that Texas has a ski resort. I did some searching and I can't find any evidence that this is true.
RI and Alabama both have one. Seems easy enough to check.
For reference, "holistic" is the opposite of "objective", not of "specific".
So it is more the opposite of specific than objective. I think your confusion comes from colleges using holistic to mean they looks at things beyond beyond objective measurements like test scores and GPA
[1] - https://en.wikipedia.org/wiki/Transtheoretical_model [2] - https://en.wikipedia.org/wiki/Motivational_interviewing
For those who qualify for Social Security the minimum benefit for 2024 is $50.90/mo (10 yrs of work) and $1,066.50 for 30 years of work [1].
The 401k experiment is not failing because people don't understand how interest and capital gains work. It's failing because people are not funding their 401Ks and the ones who do, don't sufficiently or consistently fund them. I know so many people my age (mid 40s) who don't even save at all. Like zero. They are playing a dangerous game of chicken where they believe the USA ultimately won't let the elderly die en masse in the street, and they think they'll be rescued. They think I'm the sucker for saving the max every year and then saving more.
This isn't a lack of financial education, it's deliberate. People can save but they won't because they don't think they're going to meet the consequences. Or they don't save enough because they don't think they need to. I also know people who say things like "I plan to die the day after I stop working, so I might as well spend everything now."
And that doesn't even consider the large number of people living paycheck to paycheck who literally can't save. It's going to be a shit show in 20-30 years.
1. https://github.com/peterfajdiga/karousel