{"id":1386,"date":"2024-04-11T03:55:40","date_gmt":"2024-04-11T03:55:40","guid":{"rendered":"https:\/\/www.thescanfoundation.org\/resource\/aspen-institute-rainy-days-dont-retire-older-adults-financial-shocks-and-the-promise-of-emergency-savings-tools\/"},"modified":"2026-06-18T09:53:07","modified_gmt":"2026-06-18T16:53:07","slug":"instituto-aspen-los-dias-lluviosos-no-jubilan-a-los-adultos-mayores-crisis-financieras-y-la-promesa-de-herramientas-de-ahorro-de-emergencia","status":"publish","type":"resource","link":"https:\/\/www.thescanfoundation.org\/es\/resource\/aspen-institute-rainy-days-dont-retire-older-adults-financial-shocks-and-the-promise-of-emergency-savings-tools\/","title":{"rendered":"Los d\u00edas lluviosos no jubilan: adultos mayores, crisis financieras y la promesa de herramientas de ahorro para emergencias"},"template":"","class_list":["post-1386","resource","type-resource","status-publish","has-post-thumbnail","hentry","location-national","resource_type-report"],"acf":{"details":{"helper_accent_color":"yellow","helper_taxonomies":{"priority_tax":[50],"location":[11],"news-insight_type":[55],"resource_type":[21],"event_type":false,"person_type":false,"year_tax":false,"asset_class":false,"investment_type":false,"investment_category":false},"tsf_resource":false,"helper_authors":null,"abstract":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Financial security is fundamental to older adults\u2019 choices in where and how they age. Yet many older adults are not financially secure \u2013 lacking retirement savings, emergency savings, and the financial management tools they need. In fact, 47 percent of older adults (ages 55+) don\u2019t have the liquid savings needed to weather a financial shock. As more and more older adults leave the traditional workforce and their streams of income change, they need a wider variety of emergency savings tools. The SCAN Foundation partnered with the Aspen Financial Security Program to explore how we can tailor products and services to meet those needs and inspire market innovation&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:769,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0}\">This report offers research and insights into the ways policymakers and financial service providers can accelerate older adults' adoption of purpose-built emergency savings tools in and out of the workplace and inspire market innovation in the aging space.<\/span>","featured_image":2611,"":null,"file_download":"","download_link_text":""},"page_layout":[{"acf_fc_layout":"layout_wysiwyg","_acfe_flexible_toggle":"","component_wysiwyg":{"content":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Financial security is fundamental to older adults\u2019 choices in where and how they age. Yet many older adults are not financially secure \u2013 lacking retirement savings, emergency savings, and the financial management tools they need. In fact, 47 percent of older adults (ages 55+) don\u2019t have the liquid savings needed to weather a financial shock. As more and more older adults leave the traditional workforce and their streams of income change, they need a wider variety of emergency savings tools. The SCAN Foundation partnered with the Aspen Financial Security Program to explore how we can tailor products and services to meet those needs and inspire market innovation&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:769,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0}\">La seguridad financiera es fundamental para que los adultos mayores puedan tomar decisiones sobre d\u00f3nde y c\u00f3mo envejecer. Sin embargo, muchos adultos mayores no gozan de seguridad financiera: carecen de ahorros para la jubilaci\u00f3n, ahorros para emergencias y las herramientas de gesti\u00f3n financiera necesarias. De hecho, el 47 % de los adultos mayores (de 55 a\u00f1os o m\u00e1s) no cuenta con los ahorros l\u00edquidos necesarios para afrontar una crisis financiera. <\/span>\r\n\r\n<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Financial security is fundamental to older adults\u2019 choices in where and how they age. Yet many older adults are not financially secure \u2013 lacking retirement savings, emergency savings, and the financial management tools they need. In fact, 47 percent of older adults (ages 55+) don\u2019t have the liquid savings needed to weather a financial shock. As more and more older adults leave the traditional workforce and their streams of income change, they need a wider variety of emergency savings tools. The SCAN Foundation partnered with the Aspen Financial Security Program to explore how we can tailor products and services to meet those needs and inspire market innovation&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:769,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0}\">A medida que m\u00e1s y m\u00e1s adultos mayores abandonan la fuerza laboral tradicional y sus fuentes de ingresos cambian, necesitan una variedad m\u00e1s amplia de herramientas de ahorro de emergencia. <\/span>\r\n\r\n<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Financial security is fundamental to older adults\u2019 choices in where and how they age. Yet many older adults are not financially secure \u2013 lacking retirement savings, emergency savings, and the financial management tools they need. In fact, 47 percent of older adults (ages 55+) don\u2019t have the liquid savings needed to weather a financial shock. As more and more older adults leave the traditional workforce and their streams of income change, they need a wider variety of emergency savings tools. The SCAN Foundation partnered with the Aspen Financial Security Program to explore how we can tailor products and services to meet those needs and inspire market innovation&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:769,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0}\">La Fundaci\u00f3n SCAN se asoci\u00f3 con el Programa de Seguridad Financiera de Aspen para explorar c\u00f3mo adaptar productos y servicios para satisfacer esas necesidades e inspirar la innovaci\u00f3n del mercado. <\/span>\r\n\r\n<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Financial security is fundamental to older adults\u2019 choices in where and how they age. Yet many older adults are not financially secure \u2013 lacking retirement savings, emergency savings, and the financial management tools they need. In fact, 47 percent of older adults (ages 55+) don\u2019t have the liquid savings needed to weather a financial shock. As more and more older adults leave the traditional workforce and their streams of income change, they need a wider variety of emergency savings tools. The SCAN Foundation partnered with the Aspen Financial Security Program to explore how we can tailor products and services to meet those needs and inspire market innovation&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:769,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0}\"><strong><a href=\"https:\/\/www.aspeninstitute.org\/wp-content\/uploads\/2024\/03\/Aspen-FSP_Rainy-Days-Dont-Retire.pdf\" target=\"_blank\" rel=\"noopener\">VER INFORME<\/a><\/strong><\/span>","":null,"helper_width":"narrow"}},{"acf_fc_layout":"layout_resources_collection","_acfe_flexible_toggle":"","component_resources_collection":{"heading":"","resources":""}}]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Emergency Savings Tools for Older Adults: Financial Security Report<\/title>\n<meta name=\"description\" content=\"A report from the Aspen Financial Security Program and The SCAN Foundation on 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