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Kara Perez is back to talk about the retirement crisis — and whether any of us will actually get to stop working. She traces how pensions vanished, why housing became America's broken retirement plan, and what AI means for jobs and savings, drawing on Kyla Scanlon's NYT piece on housing. Kara also shares some proposed solutions, from policy fixes to personal choices, plus her own path toward retiring by 50.
OTHER FINANCIAL PRODUCTS WE PERSONALLY RECOMMEND:
-Investing - Betterment: https://bit.ly/kara428
-Budgeting app - Monarch: https://bit.ly/KP82826
-High yield savings account - SoFi: https://bit.ly/kpvid082826
Kara is the founder of Kara Explores Money & author of Money For Change. Find more from Kara:
-Follow her here: https://www.instagram.com/karaexploresmoney/
-You can purchase Kara's book, Money For Change, here: https://bookshop.org/p/books/money-for-change-how-to-reduce-waste-build-wealth-and-create-a-better-future-for-all-kara-perez/67361feb311f3e8b
SOURCES:
Kyla Scanlon NYT article: https://www.nytimes.com/2026/07/14/opinion/housing-retirement-crisis.html
https://www.dol.gov/general/topic/retirement/typesofplans
https://www.msn.com/en-us/money/retirement/ar-AA23c0Ab
https://www.investopedia.com/terms/p/pensionplan.asp
https://www.congress.gov/95/statute/STATUTE-92/STATUTE-92-Pg2763.pdf
https://pensionrights.org/resource/how-many-american-workers-participate-in-workplace-retirement-plans/
https://fred.stlouisfed.org/series/ASPUS
https://www.wsj.com/personal-finance/retirement/the-biggest-new-fans-of-401-k-s-are-small-businesses-c25f57c1
https://www.congress.gov/bill/119th-congress/senate-bill/1831/text
https://thehill.com/opinion/finance/5818644-helping-young-americans-save/
https://www.kvue.com/article/money/economy/boomtown-2040/austin-rent-increase-highest-in-us-report-says/269-508318c0-e380-4b02-9bb1-7b579b99f20b
https://austin.culturemap.com/news/real-estate/08-16-21-austin-holds-this-lone-distinction-in-texas-home-prices-over-past-decade/
https://www.planetizen.com/node/22840?amp
https://austinmonitor.com/stories/2015/11/council-loosens-rules-accessory-dwelling-units/
https://data.austintexas.gov/Building-and-Development/Accessory-Dwelling-Unit-Building-Permits-Issued/qsf3-fhnv/about_data
https://www.texastribune.org/2023/11/02/austin-minimum-parking-requirements-housing-shortage/
https://www.pew.org/en/research-and-analysis/articles/2026/03/18/austins-surge-of-new-housing-construction-drove-down-rents
https://apfc.org/
https://apnews.com/article/fires-france-england-heat-drought-bb9926465acf98a7790a7bf01294f604
Kara Perez is back to talk about the retirement crisis — and whether any of us will actually get to stop working. She traces how pensions vanished, why housing became America's broken retirement plan, and what AI means for jobs and savings, drawing on Kyla Scanlon's NYT piece on housing. Kara also shares some proposed solutions, from policy fixes to personal choices, plus her own path toward retiring by 50.
OTHER FINANCIAL PRODUCTS WE PERSONALLY RECOMMEND:
-Investing - Betterment: https://bit.ly/kara428
-Budgeting app - Monarch: https://bit.ly/KP82826
-High yield savings account - SoFi: https://bit.ly/kpvid082826
Kara is the founder of Kara Explores Money & author of Money For Change. Find more from Kara:
-Follow her here: https://www.instagram.com/karaexploresmoney/
-You can purchase Kara's book, Money For Change, here: https://bookshop.org/p/books/money-for-change-how-to-reduce-waste-build-wealth-and-create-a-better-future-for-all-kara-perez/67361feb311f3e8b
SOURCES:
Kyla Scanlon NYT article: https://www.nytimes.com/2026/07/14/opinion/housing-retirement-crisis.html
https://www.dol.gov/general/topic/retirement/typesofplans
https://www.msn.com/en-us/money/retirement/ar-AA23c0Ab
https://www.investopedia.com/terms/p/pensionplan.asp
https://www.congress.gov/95/statute/STATUTE-92/STATUTE-92-Pg2763.pdf
https://pensionrights.org/resource/how-many-american-workers-participate-in-workplace-retirement-plans/
https://fred.stlouisfed.org/series/ASPUS
https://www.wsj.com/personal-finance/retirement/the-biggest-new-fans-of-401-k-s-are-small-businesses-c25f57c1
https://www.congress.gov/bill/119th-congress/senate-bill/1831/text
https://thehill.com/opinion/finance/5818644-helping-young-americans-save/
https://www.kvue.com/article/money/economy/boomtown-2040/austin-rent-increase-highest-in-us-report-says/269-508318c0-e380-4b02-9bb1-7b579b99f20b
https://austin.culturemap.com/news/real-estate/08-16-21-austin-holds-this-lone-distinction-in-texas-home-prices-over-past-decade/
https://www.planetizen.com/node/22840?amp
https://austinmonitor.com/stories/2015/11/council-loosens-rules-accessory-dwelling-units/
https://data.austintexas.gov/Building-and-Development/Accessory-Dwelling-Unit-Building-Permits-Issued/qsf3-fhnv/about_data
https://www.texastribune.org/2023/11/02/austin-minimum-parking-requirements-housing-shortage/
https://www.pew.org/en/research-and-analysis/articles/2026/03/18/austins-surge-of-new-housing-construction-drove-down-rents
https://apfc.org/
https://apnews.com/article/fires-france-england-heat-drought-bb9926465acf98a7790a7bf01294f604
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