Hi Kim, 6 minutes. Now past 11. Today's programming is made possible in part by The Advocates of Minnesota Public Radio contributors include the Bayport Foundation, which is supported by the Andersen Corporation. Good morning, and welcome to mid-day on Minnesota Public Radio. I'm Gary I can glad you could join us. Well, it is now official. All those predictions were right on the money. The Baby Boomers are getting old need the evidence. Well consider this leave it to Beaver's Jerry Mathers the be themself. The beaver is 50 years old today and every 8 seconds another bone Boomer joins the be on the other side of 500. They were going to find out what all those 77 million baby boomers are expecting as they crossed the threshold and just how those expectations may change the way all of us live the American Association of retired persons, which is holding its National Convention in Minneapolis. This week is releasing the results of what it says is the largest single survey of Boomer attitudes that's ever been conducted and joining us this hour to discuss. The results is Constance Constance Wang who's the director of research for the American Association of retired persons. Which we also invite you to join our conversation. If you got some questions about Boomer attitudes toward aging and retirement for that matter. If you yourself are a baby boomer and would like to share your attitude to give us a call to 276 thousands are Twin City area number to 276 thousand outside the Twin Cities. 1-800. 242-282-8227. 6001. 800-242-2828 Constance Wang text coming in today. Do Boomers actually believe or accept the fact that they're getting older or are they are not serious state of denial state of denial and some quarters of their life that I think this survey that we're releasing today in Minnesota suggest that there is a daunting of awareness in terms of what the future might bring. What are the first of all what do they Define as being old? Is there a is there an age at which they see themselves as getting old? Other surveys not this particular a survey have asked that question and typically people as they grow older 10 to project that age of when they will be older as moving out there chasing it if you will this particular group was asked and they are in this sample. We're talking about a median age of 42, but when asked what age they feel they are on average these respondents said thirty-five so they there may be a sense of denial there as well. But they're definitely feeling young younger than chronologically their age would suggest and we're seeing some very interesting findings in this research in terms of the optimism that they're bringing to their focus on retirement. Awesome figure is 70% real optimistic enthusiastic about the about retiring. They're fairly or very optimistic about their retirement years 28% say they're very optimistic and very much looking forward to those years and 41% are fairly optimistic of significant finding in this study. But then you know, this generation has been marked by a sense of optimism and can-do attitude and certainly a sense of confidence in Independence. It's it's caring with them and I think we are we're going to be watching what happens to this cohort overtime as of the Baby Boomers have gotten older starting with birth Society has changed that institutions have changed to accommodate just a huge number of people involved. Is there a sense among Baby Boomers that well, of course, we'll just change to accommodate you as you get older now too and come up with a whole new way of doing things. Copart have have made for tremendous changes as they've grown older. We saw it certainly in the 60s as disco horrid late fifties and sixties is go hard with entering grade school in the numbers of schools that had to be constructed. Certainly. We've seen it in the workplace. The numbers of people who are are working. But this generation is also going to redefine I think retirement as well by its very size, but perhaps even more importantly its diversity. This is not a homogeneous group of individuals there. They are very diverse they seek Organizations and institutions that are responsive to their needs and their vocal about them. They carry a streak of advocacy with them. But again, I think would be unfair to describe them into many Universal terms because they really are diverse and they stand they were born from 1946 to 1964. That's a tremendous age cohort is that the biggest difference that you found among the Baby Boomers just the fact of it. There is such a huge span of years involved. You're talkin people 52 vs. What 33 or 34 years old? They don't have a lot in common. You wouldn't think they certainly are facing life events at different points those that are in their 50s or beginning to experience the realities of parents and and conceivably Grandpa. Consider aging while those that are in their thirties are probably still very much in the child-bearing and and child-rearing years. And because again, this generation hasn't followed in a lock step file format. We have some who are empty-nesters and others who are starting on their second families their career paths have also been different. They have not stayed with a given a corporation for a lifetime, but they have they proved to be quite mobile not only to graphically but also in terms of their interest in their their vacations on swangas with a she is the director of research for the American Association of retired persons. The organization is releasing the results of a huge survey of a baby boomer attitudes about aging and retirement and she stopped by today to share the results of that survey. If you'd like to join our conversation, give us a Call Twin City area number is 227-6002 276 thousand. I'll try the Twin Cities 1 800 to +422-828-227-6802 for 22828 for that matter. We could conduct our own little survey here. If if you're a baby boomer like to hear from you this morning get your ideas on whether you feel optimistic about the about retirement. What's your attitudes are toward aging again? 227-6802 for 22828. Now, I'm one of the survey results that I thought was particularly interesting parently almost all baby boomers plan to keep working that they're never actually going to retire. Is that true? Yes. The responded to the survey in. This is a national survey it stay that they expected their going to work at least part-time during their retirement just 16% say that they will not work at all. Now about a third of this pool says that they're going to be working part-time for the interest and enjoyment. It's going to bring but about one-quarter say that they're going to be working for the economic security that it provides the income that it provides them. But yes, I think that this is one of the most striking findings from this research this generation may be redefining what retirement means reworking retirement if you well because they plan to continue to work for many reasons people who are planning to work, especially those of those who say they're going to continue to work because I'll need the money. Do they tend to be the lower-income people today? Is there any correlation there? I think this speaks to the diversity of this generation. The sample was split and polarized on some dimensions and they they linked to an individual's income levels and that also tied to their educational levels, but let me share some of that with you. We looked at individuals who were making $70,000 and above in this represented about 25% We call them the haves in this survey. They are twice as optimistic as the Have Nots and they have not through those that were below $30,000 a year and household income. So very diverse sense of optimism for the future for their retirement. The haves were nearly twice as likely as the Have Nots to have given a great deal of thought to their retirement. They're much more likely than the Have Nots to feel confident in their ability to prepare for the future. That was a 76% halves for TC. Percent Have Nots and while one in for Boomers overall do not expect to be able to retire that number jumps to 44% among the Have Nots. So again individuals who are at the lower end of the income scale have a different Outlook to retirement. They expect that they will need to continue working that indeed. They may not be able to retire and this polarisation is I think also speaking to this widening gap between the more affluent and the less affluent in our society and the boomers are just playing this out do those two groups have a different attitude about social security as well in the one hand seeing it is perhaps a supplement at the best and the other hand seeing it is an absolute necessity. Have not group. I definitely view Social Security is as a major component part of their retirement income while those who are in this have not group are certainly working with more Diversified portfolios this generation overall in the study points. This app is a is very self-reliant and they also have more instruments available to them for retirement income 401K plans and IRAs pension coverage for those people who are not part of those kinds of pension plans and they tend to be at the lower income levels. They simply may not have the option of looking at the 401 k is in the IRS and the retirement savings that you're going to be much more dependent upon social security for their economic survival in their retirement Association of retired. The organization is out with a new survey today survey of baby boomer attitudes toward the aging and retirement. And if you have a question some like some more information about what the organization founded give us a call for that matter. If you are a baby boomer and would like to share with us your attitudes of head of a mini survey here and give us a call 227-6020 area number to 276 thousand. Side the Twin Cities 1 800 to +422-828-227-6000 or one 802-422-8288 your first go ahead please I am 47 years old and my father died when he was about 62 and he never retired and I don't see myself retiring either and I see myself probably work in series a different job is between now and when I when I go to the big yard, And I really don't see in fact I see retirement is something where people just rushed away. So actually I'm looking at you no difference different occupations different things to do. So, it's not a question so much money. Is it is what you you don't have nothing else to do with it. Might as well keep working it and I know if I have a friend who's a 75 and he continues to work at and he said that at the moment that he stops working. It's all over for him. Okay. Thanks for the call. Thank you for your conscience will certainly in terms of this baby. Boom generation of a good number of them know that they're their perspectives on retirement and how they live retirement are definitely going to be different than their but then their parents Dave mentioned his father's Health the Boomers know that they're probably going to need more money than their parents generation to live. Comfortably they acknowledge that there more self-indulgent right now than their parents were and are Vidal supplies are going to live longer and they're going to be healthier during their retirement and that that capacity to maintain one's health. I think also opens up opportunities both in work and Leisure and I I think Dave's hit on one of the themes that's coming through these days while particularly among that group of have where retirement is something that they choose to do because it brings them a sense of satisfaction and fulfillment and it's good news. I think for the economy in general for people who have two are bringing a lot of talent are definitely not going to fade into any kind of Oblivion AARP, of course, we would be the first to acknowledge that even as individuals who have opted for full retirement in the current generation of retirees. They're also maintaining very active and vibrant lifestyle. They aren't there not rusting away. But again, it's we look at the future work is going to play a role. Did you find many people who really do want to just sit on their butt when they retire who have no interest frankly and working they worked enough and they act like this. It's a it's a small small for forcing it again. Some of that is just going to be a factor of the fact that they ate that they can do that. That's a choice for them. Well, I'm in the Boomer category my boss has and I were born in 1946 and where in the have category I really mixed emotions about social security because I see my mother really depending on it and get icr. Older siblings who are retiring with good pensions, which we don't have cuz we're self-employed will get Social Security and really don't need it. And I just really think it should be changed to a program based on income and I Know It kind of goes against everybody's grain. But if you don't need it, I don't think she should have it to try to say that I don't think we're going to get it. I think it will be bankrupt by then. And I guess I'm more concerned about medical and keeping that up. So I'm really kind of negative about social security overall a huge percentage of our income for social security on like other people who have employers who pay half of it. We put we pay it all in for the taxes that and I'm really sick. My throat. I don't mind paying taxes cuz I think we have a good quality of life here, but I do not like for security at all. I don't I resent paying it changed if after paying all this money all day. Is yours you don't get any money out of the system? So that it's based on income if I don't call. Short change, but if it's gone because we have given people that are making millions of dollars by Frank Sinatra had it all these people have it for no reason. They don't need it that that really bugs me some thank you. How old is her attitude about Social Security Square with the majority of people that you surveyed a majority at 55% feel that they they put money into Social Security and they expect to get it back just under half do believe that they're going to count on Social Security and retirement. He's got a lot of misperceptions out there. Unfortunately, I think they've been fueled in part by some of the media coverage related to Social Security and its Financial viability. We're looking at now in 220 30 20 32 before the benefit levels would drop and that gives us and it's only two 75% of the promised benefits to beneficiaries that gives us a tremendous amount of time and AARP and others are certainly those in the Congress are also looking two ways in which we might change the social security system to ensure that it's going to continue to be a full and and vibrant system for the next 75 years from the survey as to whether Boomers in general would would favor moving the system more and more of those who are two kinds of means-tested program where the the lower-income people for sure would get the get their benefits about if you if you make a lot of money, maybe you wouldn't get any. Well if this survey did not focus particularly on those elements of social security, although we did sense in this in this research and the data support it that there is a Shaky confidence in Social Security. And again, I think that that's been fueled unfairly by all reports of its going bankrupt or it's being in solvent again. That's just that we've got a lot of time to address a a gap between a 75% benefit level and 100% benefit level but I think Sue raises an important point in terms of and again, it may be a mess that very wealthy people are are getting benefits to the detriment of those who might be at lower income levels. If we were to we're talking about very very very small percentage is here of individuals who are at that really high income level and there they may have contributed over there working years to Social Security the formulas and Social Security do adjust for individuals who are lower income levels that that their benefit there with a car replacement ratio is higher than individuals who are at higher incomes. So there is an internal formula that works to try to rectify some of those issues of what are perceived inequities in the system in the less. You know, I think we we often forget that Social Security is not just a retirement program. There are hundreds of thousands of individuals who are disabled who are receiving Social Security benefits a lot of children who are survivors of individuals or workers who Are disabled and receiving Social Security benefits. It's really it's done a tremendous amount to reduce the poverty rates among the older population and it is only one one part of one's retirement portfolio Granite. If you're at the lower end of the spectrum and you don't have access to a pension plan, if you're self-employed, you're going to carrier carry a heavier Financial load and I think we have to continue to work to to rectify those situations. One thing I think we forget in the study didn't address it specifically but in other research conducted by AARP overtime, you know individuals may be at one part of the affluence scale. They may be making a good income in good health have a sense of prosperity with any number of major life events could be job loss divorce catastrophic health condition long-term care what looked like a really Rosie and prosperous future can can drop someone into a much lower income level pretty fast those kind of Life events that you and I can't pretend so security is there till at least provide a floor of income for individuals. And again, it's it's dropped the poverty rate considerably among older Americans Act of Bones Richard your comment. I would like to compliment on her perception of. boomer generation optimism perhaps naivete not recognizing the question of health or is you point out those lights conditions such as divorce and job loss etcetera you excited to you the optimism of them in the sense of not retiring and continuing to work for the rest of their life. And that also I think comes about from their youthful naivety the time will come when they will get physically tired. I think in their attitude will change. I do have a question for Constance. And that is it was there any any questions asked in regards to what I call the parental factor for this generation you had mentioned their self reliance and my anecdotal observations are somewhat to the contrary this generation in many ways to have been very fortunate generation it in being given things throughout the 60s and the 70s and not being especially self. Quiet but essentially standing very much on the shoulders of the previous generation and I think some economic data supports the fact that they are looking forward to a very large nest-egg from inheritance from their parents and I was wondering if if you fact that any of this is that actually we did ask a couple of questions that may be on point to your your concern. We asked about that major inheritance that that we've heard a lot about coming from one generation to the next only about a quarter of this sample expected that that kind of largesse coming from their parents financially. It's going to be something that they that would really factored into their retirement planning. So we while it certainly will we will want to watch the empirical Later on this attitude only this generation is saying yeah, you know a quarter of them say, you know, it's going to be a sizable but it's not going to only 1/4 say it's going to count in terms of their retirement planning. When we asked about these issues of self-reliance, and I'm glad that you picked up on that fully 70% 7 and 10 of those polled in this restarts survey said that they don't want to depend on their children during retirement and that they feel confidence 6 and 10 feel confident in their ability to prepare adequately for the future. When we ask an open-ended question though about retirement and what do they associate with retirement? The the very first thing that came to mind number one response in this was having enough money or Financial Security. So we've got a yin-yang here in this in this pole and ambivalence. None like it this optimism, but it's being undergirded by a sense of of of some reality here and yet is she say, you know, they're they're still at they're still very much in the workforce. We're talkin 33 to 52. We're going to watch this card Dove very closely over the coming decades. I need to take a break here. But I have to ask you, you know, if if they're not really dependent expecting to pandan. Hope not to depend on their children for help. If they get into trouble, they expect the government to help them out. Then that is looking to engineer its own Financial portfolio true. 401K Ira that there really are going to be the architects of their Financial Security. They have learned over time that through downturns in the economy through changes and Social Security that they really need to own their own destiny here and in shape it to meet what they think is going to be important to them. The good news is that this generation has some options to do that research director for the American Association. Retired persons AARP is holding its National Convention in Minneapolis this week, and I should come by today to share with us the results of a big survey of baby boomers at Erp conducted look at how Boomers think about retirement and aging in the rest. If you'd like to join our conversation got a question or comment give us a call 227-6002 and City area number to 276 thousand out side the Twin Cities one 800-242-2828 and a particularly interested in hearing from those of you who are in fact Baby Boomers, and how you view aging and retirement with your optimistic about it when you think things will turn out well with her you're a little nervous and it was call 227-6102 for 22828 and we'll get smart collars in just a moment. Even though it looks wonderful in your looks like this beautiful Upland old-growth cloud forest something the matter. I'm married this weekend all things considered re-examine a scientific mystery the worldwide Vanishing of frog a special series at 5:30 on Minnesota Public Radio k n o w FM 91.1 in the Twin Cities. By the way, we should tell you that the Mary will be along tomorrow over there soon or we'll have all of Mary's reports on what's happening with frogs and opportunities the for you to call and get your questions answered very interesting subject and that will be tomorrow over there now or here on midday today at noon. It's off the national Press Club for a speech by Matt drudge. He's the fellow of the internet colonists and reporter essentially broke the Monica Lewinsky story. He is widely praised and widely damned depends on who you talk to. He's going to bed Bastion of traditional news reporting the national press club today to talk about the new media and will be broadcasting that speech like over the noon hour cloudy and cool. That's the basic forecast for Minnesota today with a chance for some rain and Northern and Western Minnesota high is today 50 in the North mid-60s in the Southwest. Fairly fall like digging the Twin Cities as well cloudy and cool with a high just to meet upper 50s right now 52 degrees and cloudy in the Twin Cities with a northwest wind at 14 miles per hour. We're talking this hour about the aarp's a new survey of baby boomer attitudes toward retirement and aging and again if you'd like to join our conversation to 27 6001. 800-242-2828 Constance Wang is weatherstrip your research for the American Association of retired persons Tom text policy and I'm a baby boomer and I expect it all end up working until I drop because you want to or because you have to but I think I'll have to work I really do and and and their two questions this somewhat related to that number one. I was wondering within the survey process if there was any discussion about the extreme. Coffee that people have now and taking out individual retirement account. If you have a spouse that works and gets a pension. It's extremely difficult even save for your retirement. If an IRA is your only option and secondly the other question is with a lot of people not talking about going to some new form of Taxation through iea a tax on national sales tax or consumption tax. Wouldn't that take away from the very essence of people being able to put in money for 401K plans? And in other incentives where their salaries were reduced for tax purposes for the purpose of having a saving for their retirement tax policies in the Boomers. Unfortunately time to study did not look at the intricacies of tax policy nor did we ask people about their difficulties in in using any one of these retirement Vehicles 67% of the respondents to the survey said that they are currently putting money away in Ira as are 401ks or some other kind of retirement savings account. It is by far. It's the largest investment vehicle vehicle that this Boomer popular boomer generation is using I think AARP is very very much in tune with the kind of tax reform proposals. That might Not give people again vehicles for saving that they're simply moving things that those who are saving will simply move things around to different vehicles and that we won't provide the wherewithal for individuals who know and I want very much to say but may find it difficult to do so and some tax policies are taxed options that would focus much more on low and moderate-income individuals have a much greater negative impact on those populations. I think we would want to be sensitive to now a taxon on consumption. Those are those proposals have been bandied about for some time. We have an interesting dichotomy here. We we have a tendency to text more what's happening in his savings or retirement Arena, then we might on consumption which is very much gear. Two current Lifestyles and I think we will want to watch what's happening in terms of tax reform going forward to ask how they determine. What years are the Baby Boomers. How do you get from 1946 to 1964 is the baby boomer years? Marie those those years those bookends if you will were played by large determined by the birth rates during those years and where we saw just a real escalation the birthrates the post-world War II starting in 46 and then a drop off in 64 and that's just how they they Mark that particular generation the baby boom generation. A lot of research is also focused on the fact that this generation conceivably be divided into a first wave of a Boomers roughly the first half of that of those years and a second wave of Boomers and that there may be differences in those two broad groupings again. I think we we would want to not generalize to an entire population of this size, but that those two groups may be experiencing or have experienced over time. Kinds of opportunities in terms of workplace educational opportunities job opportunities. But again, it's it's so dangerous to generalize general information about how baby boomer attitudes differ or how do they compare with the generation that preceded them and the generation that comes behind their perceptions of how they differ from their parents generation, but other generational cohort studies have looked at the attitudes of these different again, we're talking broadband's here of age. Again. This generation seems to be a whole lot more self-reliant and less institutionally geared where the generations before it may have been much more willing to I believe in public institutions in their capacity to deliver on promises. There's a there's just hiding cynicism in this generation. And again, if you convert it to a sense of optimism, it's up to me to craft what my own destiny is some generational studies. Also look at it again the life events that helped shape people's attitudes toward society and toward institutions defining moments world events that might have shaped their reality when they came of age are coming, please and I'm kind of going through the same thing that he is, you know about retirement and what's in the future and I was wondering why they put so much emphasis on the Baby Boomers and kind of the 40. Babies aren't ones. Just kind of like they're not even looked at. When does feel Sandy is that you've been ignored and indeed the label that's placed on your generation is the silent generation. I understand that sense of being ignored and left out. I think again, we're just we're talking about the sheer volume of people that are part of this this age group. And when you have an earlier definitions of it were the pig in the python coming through and just again those numbers mean that the society the communities in which these people live have to respond. But but you're right it does it when does feel as though somehow you've been ignored? Do you have any information as to whether Baby Boomers expect to live in their own house till they die. They going to move into a senior citizen high-rise. Are they going off to Sun City? What's what's their living Arrangement expected to be? Gary weave AARP has been pulling individuals about housing and living Arrangement preferences as they age and we just see it again recurring numbers here of the vast majority of individuals want to live independently and live in their own homes as long as possible. And so it's important for us to look at the kind of options that people have to maintain that Independence to be able to financially afford to live independently or to have the kind of in-home or Community Based Services that allow them to do that. It certainly in terms of migration patterns. We see a fair fair amount of migration to parts of the country where there are jobs certainly for for those who are still in there working years. We've also learned that there has been somewhat of a reverse migration people individuals who may have moved to the southeast for the warmer climates may be returning to places like Minnesota and Michigan because that's where their families are. Maybe that's where their kids. Are there social support networks and granted. It's not a we don't have people who are moving south and then moving North again, but a reasonable number of people who decided to return to communities in which they lived during their Daughter earlier years more El Nino Winters in the problem or people will just stay here in the first place. I suppose David go ahead please in my so I'm towards the end of this generation and my question has to do with the technological Revolution that were in the middle of it seems to me that the technology is accelerating. So rapidly that if in the thirty years that'll take place before I retire we decide to we could develop technology that would make almost everything that we need manufactured weather energy housing clothing almost completely anonymously a robotic systems. And so that our retirement yours could be quite easy and I'm just wondering I guess the basic question is that does this generation have enough cloud and will to push the technology and Etc to a place where we can have most of our needs met without hardly any cost involved? Interesting question certainly this generation and the one immediately after it is pushing a technology envelope their utilization Steven of numbers who are online and where people are seeking information is changing whether or not I go so far. It's not an area of expertise. I have in terms of Robotics and what that futurist view might be but I do think that it's very difficult to Crystal Ball what's going to happen 20 or 30 years out and it's the language that you use David I think speaks very much to the sentiments in this group of people who were polled you no sense of what why couldn't we do this and could we not by virtue of numbers begin to change certainly what's happening in the marketplace what what are your expectations the kinds of tools that you are using even in the workplace are very different from your parents generation my pair Generation going to be fun to watch and swag is whether she's the director research for the American Association of retired persons. And if you're just tuning in the AARP is out today with a big survey of baby boomer attitudes toward retirement and aging in the rest or the organization is having its National Convention in Minneapolis this week. And anyway, she conference is big enough to come by today to talk about the results of that survey. We don't have a lot of time left, but maybe we can squeeze your question into 276 thousand out side the Twin Cities one 800-242-2828 quick question about Medicare. We were talking about social security earlier do Boomers a count on Medicare being there for them and to do they expect it will be there. Is it is it a big priority phone? Was the Boomer attitudes toward Medicare I think our are also one of the more revealing parts of the study 60% of them have favorable views of of the system. But only one and three expect that Medicare is going to cover their health care needs when they retire and a little bit more than that 39% are are confident that Medicare will be available during their retirement medicare's financial situation is is one that I think we we have to watch very closely while it's it's date for insolvency has has been moved out now closer to the end of the first decade of the twenty-first century none the less there are lots of currents in the healthcare market and in terms of health care needs that I think I have the potential of wrecking Havoc with these sense of certainly a sense of whether or not they'll be able to count on Medicare. We asked the respondents in this poll. We asked them to compare what their current situation is in terms of health and have 54% Where are very satisfied with their ability to get the care that they need when they need it right now and another 28% or somewhat satisfied. So we're talking about 80% with a satisfaction level when we ask thinking about your health coverage during your retirement years. How confident are you that it'll be it will be able to provide the care you need when you feel you need it. Those numbers just slept. We're talkin 20 only 25% are very Confident and 54% or somewhat confident those numbers. I think speak to people understand that they've got health insurance. Now. It's for the most part probably through an employer plan and they look at retirement and really the only option if they have there is Medicare in terms of a of a widespread health insurance plan, unlike the financial situation in which individuals have more options there to design your own portfolio when it comes to health. It's pretty Stark employer plan Medicare Jessica you're coming, please. I don't understand everything about social security, but I definitely believe in taking care of. regeneration and I did one thing. I do understand is what it does to my husband's paycheck and the were considered poverty level and we do rely on two governments. Help out to survive. And I'm also looking at in the future having to take care of my grandmother who because of a divorce was unable to save enough for her retirement and she's looking at working for the rest of her life and and having the support of her children, and I'm just wondering if AARP ever looks at the burden that they're putting on my generation if they were pulled my generation to see what our attitude is. I'm taking care of my grandparents and the tax burden that we're going to have in the future. It's a Wonderful question. Yes, absolutely. We're concerned about the the pressures that any one of these systems will create for each successive generation is she said at the outset you you very much want to support your grandparents and your parents and that's indicative of your of your generation were times. You said you're 19 years old at these younger cohorts are very supportive of the basic tenets of Social Security. They are there are concerned about whether or not it's going to be there for them. And again that confidence level is something I think we need we have a basic responsibility to shore up because the the solvency issues there are not as certainly not as exaggerated as some would would have the population believe Again, I'd like for you to consider that Social Security is more than a retirement income program. It's a program that's designed to provide you with basic coverage. If you are if you or your husband should become disabled during your work life that your children and that you will have some basic means of survival economic survival. And by the same token while your grandmother's social security benefit maybe less than what she expected if you had to care for her without that kind of Social Security. That would be a tremendous burden Social Security is is designed as an insurance program. Like all Insurance programs says it's there for you when you need it, but everyone pays into it to maintain its strength as a program that serves all of us in different ways, but all the time when I think you get the last question or go ahead place Growing up here in my life is been this artificial. That we call the baby boom is just too large and too long watch and totally it's too many years and I definitely see some shifts of how government response to the first say the early forties through about 50s how to say about 50 to do those years going just we're just about out of time here when that's all I meant kids anymore. Either of their adult lights is not even my parents. Did they have my dad was born in 36. So we're going to have to go here when thanks for the thanks for the comment. Is it is it legit fine later to look at a group this big and as you say this diverse and try to draw any conclusions from this whatsoever overarching themes. Major attitude that come through this generation, but they're going to be dependent upon individuals life circumstances where you are in the income level what your family situation is what your health condition is individualistic approach life through one set of eyes, I think organizations like AARP and other institutions in the marketplace need to look take a broader view of this cohort, but not forget it. We're talking about individuals understand the survey results are on the internet for people who are literate www.aarp.org, right? Thanks concerts. Appreciate you coming in today. Thank you. I guess this our Constance Wang who's the director of research for the American Association of retired persons. AARP is having its National Convention in Minneapolis this week and it today released the results of a big survey of baby boomers to a try to find out more about their attitudes toward retirement and AJ. Like to thank all of you have been with us this day our especially those of you who called in or tried to call in with your questions and comments will continue with midday and just a moment by this is Jon Burge. If you like a pic don't want to get one ready for Friday, June 5th at the Lake Harriet Bandshell. I'll be on stage and on the air at 4 then at 7, you will be treated to a free concert by piano Duo Julia and Irina Alto baritone Joe Carter and the Summit Hill brass quintet pack up the dinner the lawn chair and the kids and kick off the summer with Minnesota Public Radio on the air and in the park a free concert, June 5th at the Lake Harriet Bandshell. I'll see you there. I'm now for The Writer's Almanac.