{"id":8655,"date":"2021-01-31T10:08:54","date_gmt":"2021-01-31T14:08:54","guid":{"rendered":"https:\/\/kerryhannon.com\/?p=8655"},"modified":"2021-02-07T19:42:21","modified_gmt":"2021-02-07T23:42:21","slug":"when-doing-the-right-thing-isnt-enough","status":"publish","type":"post","link":"https:\/\/kerryhannon.com\/?p=8655","title":{"rendered":"When Doing The Right Thing Isn&#8217;t Enough"},"content":{"rendered":"<div class=\"column column--full article__header\">\n<div class=\"article__masthead\"><time class=\"timestamp timestamp--pub\"><\/time><span style=\"font-size: inherit;\"><a href=\"https:\/\/kerryhannon.com\/?attachment_id=8164\" rel=\"attachment wp-att-8164\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"8164\" data-permalink=\"https:\/\/kerryhannon.com\/?attachment_id=8164\" data-orig-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2020\/03\/download.png?fit=225%2C225&amp;ssl=1\" data-orig-size=\"225,225\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"download\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2020\/03\/download.png?fit=225%2C225&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2020\/03\/download.png?fit=225%2C225&amp;ssl=1\" class=\"alignleft wp-image-8164 size-thumbnail\" src=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2020\/03\/download.png?resize=150%2C150&#038;ssl=1\" alt=\"\" width=\"150\" height=\"150\" srcset=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2020\/03\/download.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2020\/03\/download.png?w=225&amp;ssl=1 225w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a>I have a confession to make. I\u2019m guilty of focusing much of my reporting and writing on older workers who have the education, financial security, and, often the tech ability, to pursue encore careers and explore their passions.<\/span><\/p>\n<\/div>\n<\/div>\n<div class=\"column column--full article__content\">\n<div id=\"js-article__body\" class=\"article__body article-wrap at16-col16 barrons-article-wrap\" data-sbid=\"WP-MKTW-0000114795\">\n<p>I relish the human stories of second acts and talking to people who love their jobs. I confess that I simply haven\u2019t spent adequate time telling the stores of low-wage workers over 50 and their challenges.<\/p>\n<div class=\"paywall is-loaded\">\n<p>And that\u2019s shameful. More than 53 million people\u201444% of all workers aged 18-64\u2014are low-wage workers, according to a\u00a0<a class=\"icon none\" href=\"https:\/\/www.brookings.edu\/wp-content\/uploads\/2019\/11\/201911_Brookings-Metro_low-wage-workforce_Ross-Bateman.pdf#page=63\" target=\"_blank\" rel=\"noopener\">report<\/a>\u00a0by The Brookings Institution. They earn median hourly wages of $10.22 and median annual earnings of $17,950. These 53 million workers earn less than our hourly earnings threshold of $16.03 at the national level, adjusted for cost of living differences by region, ranging from $12.54 in Beckley, W. Va. to $20.02 in San Jose, Calif.<\/p>\n<p><strong><a href=\"https:\/\/www.marketwatch.com\/story\/its-time-we-pay-attention-to-these-ignored-older-workers-11609360548\">Read on MarketWatch<\/a><\/strong><\/p>\n<p>So when Cindy Hounsell, the founder and president of the\u00a0<a class=\"icon none\" href=\"https:\/\/www.wiserwomen.org\/\" target=\"_blank\" rel=\"noopener\">Women\u2019s Institute for a Secure Retirement<\/a>\u00a0introduced me to\u00a0<a class=\"icon none\" href=\"https:\/\/www.linkedin.com\/in\/marygatta\/\" target=\"_blank\" rel=\"noopener\">Mary Gatta<\/a>, Sociology Professor at City University of New York (CUNY) and author of several<a href=\"https:\/\/kerryhannon.com\/?attachment_id=8657\" rel=\"attachment wp-att-8657\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"8657\" data-permalink=\"https:\/\/kerryhannon.com\/?attachment_id=8657\" data-orig-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2021\/01\/41YI8YbxwdL.jpg?fit=331%2C500&amp;ssl=1\" data-orig-size=\"331,500\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"41YI8YbxwdL\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2021\/01\/41YI8YbxwdL.jpg?fit=199%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2021\/01\/41YI8YbxwdL.jpg?fit=331%2C500&amp;ssl=1\" class=\"alignright wp-image-8657 size-medium\" src=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2021\/01\/41YI8YbxwdL.jpg?resize=199%2C300&#038;ssl=1\" alt=\"\" width=\"199\" height=\"300\" srcset=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2021\/01\/41YI8YbxwdL.jpg?resize=199%2C300&amp;ssl=1 199w, https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2021\/01\/41YI8YbxwdL.jpg?w=331&amp;ssl=1 331w\" sizes=\"auto, (max-width: 199px) 100vw, 199px\" \/><\/a> books, including\u00a0<a class=\"icon none\" href=\"https:\/\/www.amazon.com\/Waiting-Retirement-Economic-Insecurity-Inequality\/dp\/0804799954\" target=\"_blank\" rel=\"noopener\">Waiting on Retirement: Economic Insecurity in Low Wage Work<\/a>, I snapped to attention.<\/p>\n<p>Hounsell put the two of us together as authors on a panel this fall at her conference on women and retirement security\u00ad:\u00a0<em>Moving Forward: Building, Expanding and Strengthening Women\u2019s Retirement Security: A Symposium on Financial Solutions for Women.<\/em><a id=\"cnxtitleurl\" href=\"https:\/\/www.marketwatch.com\/video\" target=\"_blank\" rel=\"noopener\"><\/a><\/p>\n<div id=\"ad-inline-video\" class=\"j-ad\" data-site=\"marketwatch.com\" data-zone=\"retirement_story\" data-size=\"2x2,624x380\" data-targeting=\"product=inarticlevid;adlocation=INLINEVIDEO\" data-google-query-id=\"CL2417mnxu4CFU3y4QodIQ8DmQ\">\n<div id=\"google_ads_iframe_\/2\/marketwatch.com\/retirement_story_2__container__\">\n<div id=\"cnx_1436f839-009b-4130-89c5-b39ec980b103\" class=\"connatix_cnx\">\n<div id=\"moatPxDiv886959\">\n<div id=\"MoatPxIOPT6_34372789\"><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">What I heard from Gatta pushed me to reach out to learn more about her research on older workers, who are not as likely to have access or the skills conducive to career shifts and the funds, or access, to the skills training that could make that a reality to improve and extend their working lives.<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>\u201cThese workers take great pride in their work,\u201d Gatta says. \u201cThey enjoy working. Although, many are working because it is the difference between food on the table and not on the table.\u201d<\/p>\n<p>I spoke with Gatta about her book and her views of the challenges facing older low-wage workers post-Covid. The highlights of our conversation are below and have been edited and condensed.<\/p>\n<p><strong>Why did you write the book \u201c<a class=\"icon none\" href=\"https:\/\/www.amazon.com\/Waiting-Retirement-Economic-Insecurity-Inequality\/dp\/0804799954\" target=\"_blank\" rel=\"noopener\">Waiting on Retirement: Economic Insecurity in Low Wage Work<\/a>\u201d ?<\/strong><\/p>\n<div id=\"cx-membership-tile\">\n<div id=\"cx-callout-tile-wrapper\" class=\"group group--cx cx-tile\" data-campaign-id=\"19\">\n<div class=\"block block--promo\"><\/div>\n<div class=\"block block--graphic\">\n<div class=\"graphic\"><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">We know a lot about retirement among high-earning older Americans\u2014from encore careers and finding one\u2019s passions after retirement, to delaying retirement as long as possible. Dr. Fauci, for example, just celebrated his 80<\/span><sup style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">th<\/sup><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">\u00a0birthday on Christmas Eve and will be joining the Biden Administration in January. We know much less about these phenomena among lower-wage workers. What are the experiences of older low-wage workers?\u00a0 Can they realistically work longer in jobs that are often physically draining?\u00a0 Can they ever retire?\u00a0 These were questions I wanted to find the answers.\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><strong>How did you go about answering these questions?<\/strong><\/p>\n<p>I spent years talking with older low-wage workers in the restaurant industry. These were workers that did all the right things according to the American Dream\u2014they worked consistently, they worked hard (some several jobs at once), and they tried to make ends meet.<\/p>\n<p>However, they did all this within the United States\u2019 increasingly fragile do-it-yourself retirement system that puts the burden on individuals to figure out their own retirement. With the decline of defined benefit plans and the increase of \u201cgig\u201d work, workers have increasingly been asked to prepare for and plan for their retirement themselves, while dealing with a decreased social safety net during their work lives. Many of the workers I met did not have health insurance or were woefully underinsured for much of their working lives.<\/p>\n<p><strong>So what did you learn?<\/strong><\/p>\n<p>Many of these workers are in economically precarious positions. The workers I met faced many challenges include physically demanding jobs, age discrimination, and the demand for \u201c<a class=\"icon none\" href=\"https:\/\/warwick.ac.uk\/fac\/soc\/ier\/glacier\/learning\/identities\/al\/\" target=\"_blank\" rel=\"noopener\">aesthetic labor<\/a>\u201d in low-wage service sector work. For many older workers their bodies may physically be unable to perform the work as they had in the past.<\/p>\n<p>And ageism may surface in a variety of ways in low wage work, as workers may not fit the \u201clook\u201d or aesthetic labor that employers desire. This is particularly true of customer facing jobs in hospitality and retail. These challenges are barriers to continuous work during working years and create difficulties to work well into traditional retirement years.<\/p>\n<p>Yet they also did not have the financial security to retire\u2014the low wages they earned throughout their working years did not translate into economically secure Social Security income or savings.<\/p>\n<p>The truth is that for the workers I met in my book, and the millions like them, there likely will be no retirement. They will need to continue working in order to live.<\/p>\n<p><strong>What is the impact of COVID-19 on older workers?<\/strong><\/p>\n<p>The COVID-19 pandemic has spotlighted and amplified many of the challenges faced by older workers, and particularly the older low wage workers I met in my research. Many experts have aptly noted that not only are older workers at higher risk for serious and dire health impacts of COVID-19, they are also in jobs such as janitors, restaurant work, retail\/grocery workers and home health aides, which put them at greater risk for catching the virus. This double threat is further impacted by the changing labor market.<\/p>\n<p>And a global pandemic notwithstanding, the reality of working longer for older low wage workers requires workers to be healthy enough to continue working way past traditional retirement age in jobs that are often characterized by intense physical demands.<\/p>\n<p><strong>Where do we go from here?<\/strong><\/p>\n<p>We have to improve jobs and retirement security. The workers in my book did all the right stuff\u2014but their work did not pay off for them as they aged. We need to improve jobs so they offer wages that provide for economic security, benefit packages, and career ladders that offer real advancement. This requires the development and improvement of jobs that offer fair living wages and adequate benefit packages. Buffers for crises along the way such as paid family leave and paid sick days are also important, as are career ladders that offer real advancement over workers\u2019 lives.<\/p>\n<p>And we need to ensure that there is retirement security when workers either chose to leave the workforce, or are forced to because of health or other factors. Social Security needs modernization, including by the institution of a minimum benefit level to ensure no American lives in poverty upon retirement \u2014 and improved benefits for those at the lowest levels. In addition, the program needs to remove current care-giving penalties for those who must take time out of the labor force to care for family members.<\/p>\n<p><strong>Healthcare is a prominent theme in your book.\u00a0 What are your recommendations there?<\/strong><\/p>\n<p>We must ensure that affordable health care during one\u2019s working years and retirement years is available and financially viable. Heath care policy must rest on the premise that health care is a right, not a privilege. This helps to level the playing field for workers in jobs that are traditionally excluded from health care benefits.<\/p>\n<p>And for older workers, particularly as a result of COVID-19, the need for Medicare is more important than ever. President-elect Biden recommends lowering the Medicare age to 60. This is a start, but it really is not enough.<\/p>\n<p>Many older workers have lost their jobs as a result of the pandemic, may find themselves underemployed or in gig jobs that do not offer benefits. While lowering the Medicare age to 60 is certainly better than what we have currently, it will still leave so many older workers uninsured.<\/p>\n<p>If we can\u2019t get universal healthcare for all, I believe, we need to talk about lowering the Medicare age to 50 years old. We need to decouple employment and health insurance. The reality is that access to Medicare one of the best ways we can help older workers.<\/p>\n<p>The pandemic intensified the labor market inequities older workers faced in securing jobs. It is quite probable that COVID-19 will force many workers in their 50s into an early retirement or gig jobs.<\/p>\n<p>Unless we make changes in our policies, they will be doing so without health insurance or Social Security benefits, forcing them to deplete whatever savings they may have accumulated. This is untenable.<\/p>\n<p>By<\/p>\n<p><a href=\"https:\/\/kerryhannon.com\"><strong>Kerry Hannon<\/strong><\/a><\/p>\n<p><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">About the Author<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"column column--full article__footer\">\n<div class=\"author__bios\">\n<div class=\"bio bio--author\">\n<div class=\"bio__figure\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"bio__img\" src=\"https:\/\/i0.wp.com\/sts3.wsj.net\/bucket-a\/maggie\/static\/images\/mw-bio.png?w=640&#038;ssl=1\" \/><\/div>\n<div class=\"bio__content\">\n<div class=\"bio__info\">\n<div class=\"bio__name\"><\/div>\n<div class=\"bio__social\"><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\"><a href=\"https:\/\/kerryhannon.com\/?attachment_id=7967\" rel=\"attachment wp-att-7967\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"7967\" data-permalink=\"https:\/\/kerryhannon.com\/?attachment_id=7967\" data-orig-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2019\/12\/032Hannon_web.jpg?fit=1071%2C1500&amp;ssl=1\" data-orig-size=\"1071,1500\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;2.8&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;NIKON D7000&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1568206537&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;50&quot;,&quot;iso&quot;:&quot;320&quot;,&quot;shutter_speed&quot;:&quot;0.004&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"032Hannon_web\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2019\/12\/032Hannon_web.jpg?fit=214%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2019\/12\/032Hannon_web.jpg?fit=640%2C897&amp;ssl=1\" class=\"alignleft wp-image-7967 size-medium\" src=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2019\/12\/032Hannon_web.jpg?resize=214%2C300&#038;ssl=1\" alt=\"\" width=\"214\" height=\"300\" srcset=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2019\/12\/032Hannon_web.jpg?resize=214%2C300&amp;ssl=1 214w, https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2019\/12\/032Hannon_web.jpg?resize=768%2C1076&amp;ssl=1 768w, https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2019\/12\/032Hannon_web.jpg?resize=731%2C1024&amp;ssl=1 731w, https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2019\/12\/032Hannon_web.jpg?resize=600%2C840&amp;ssl=1 600w, https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2019\/12\/032Hannon_web.jpg?w=1071&amp;ssl=1 1071w\" sizes=\"auto, (max-width: 214px) 100vw, 214px\" \/><\/a><\/span><\/div>\n<div><\/div>\n<div class=\"bio__social\"><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">Kerry Hannon is a personal-finance columnist for MarketWatch. She is the author of &#8220;<a href=\"https:\/\/www.amazon.com\/gp\/product\/1119647770\/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1119647770&amp;linkCode=as2&amp;tag=kerrhann-20&amp;linkId=6ee8b59a6233ad350f60ff0eed519997\">Great Pajama Jobs&#8221;<\/a> and &#8220;<a href=\"https:\/\/www.amazon.com\/gp\/product\/1119547903\/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1119547903&amp;linkCode=as2&amp;tag=kerrhann-20&amp;linkId=a0fab2084a044b02c507fdf777d48bbb\">Never Too Old to Get Rich.&#8221;<\/a><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"padding-bottom:20px; padding-top:10px;\" class=\"hupso-share-buttons\"><!-- Hupso Share Buttons - http:\/\/www.hupso.com\/share\/ --><a class=\"hupso_toolbar\" href=\"http:\/\/www.hupso.com\/share\/\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/static.hupso.com\/share\/buttons\/share-small.png?w=640&#038;ssl=1\" style=\"border:0px; padding-top:5px; float:left;\" alt=\"Share Button\"\/><\/a><script type=\"text\/javascript\">var hupso_services_t=new Array(\"Twitter\",\"Facebook\",\"Google Plus\",\"Pinterest\",\"Linkedin\",\"StumbleUpon\",\"Digg\",\"Reddit\",\"Bebo\",\"Delicious\");var hupso_background_t=\"#EAF4FF\";var hupso_border_t=\"#66CCFF\";var hupso_toolbar_size_t=\"small\";var hupso_image_folder_url = \"\";var hupso_url_t=\"\";var hupso_title_t=\"When Doing The Right Thing Isn&#039;t Enough\";<\/script><script type=\"text\/javascript\" src=\"https:\/\/static.hupso.com\/share\/js\/share_toolbar.js\"><\/script><!-- Hupso Share Buttons --><\/div>","protected":false},"excerpt":{"rendered":"<p>The pandemic intensified the labor market inequities older workers faced in securing jobs. It is quite probable that COVID-19 will force many workers in their 50s into an early retirement or gig jobs.\u00a0<\/p>\n<div style=\"padding-bottom:20px; padding-top:10px;\" class=\"hupso-share-buttons\"><!-- Hupso Share Buttons - http:\/\/www.hupso.com\/share\/ --><a class=\"hupso_toolbar\" href=\"http:\/\/www.hupso.com\/share\/\"><img src=\"https:\/\/static.hupso.com\/share\/buttons\/share-small.png\" style=\"border:0px; padding-top:5px; float:left;\" alt=\"Share Button\"\/><\/a><script type=\"text\/javascript\">var hupso_services_t=new Array(\"Twitter\",\"Facebook\",\"Google Plus\",\"Pinterest\",\"Linkedin\",\"StumbleUpon\",\"Digg\",\"Reddit\",\"Bebo\",\"Delicious\");var hupso_background_t=\"#EAF4FF\";var hupso_border_t=\"#66CCFF\";var hupso_toolbar_size_t=\"small\";var hupso_image_folder_url = \"\";var hupso_url_t=\"\";var hupso_title_t=\"When Doing The Right Thing Isn&#039;t Enough\";<\/script><script type=\"text\/javascript\" src=\"https:\/\/static.hupso.com\/share\/js\/share_toolbar.js\"><\/script><!-- Hupso Share Buttons --><\/div>","protected":false},"author":2,"featured_media":8164,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[59,531,95,9],"tags":[61,65,333],"class_list":["post-8655","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-careers","category-marketwatch","category-older-workers-2","category-retirement","tag-older-workers","tag-pay","tag-retirement"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2020\/03\/download.png?fit=225%2C225&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/p3YFQS-2fB","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/posts\/8655","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8655"}],"version-history":[{"count":5,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/posts\/8655\/revisions"}],"predecessor-version":[{"id":8667,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/posts\/8655\/revisions\/8667"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=\/wp\/v2\/media\/8164"}],"wp:attachment":[{"href":"https:\/\/kerryhannon.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8655"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8655"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kerryhannon.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8655"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}