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- [Teresa] When I talk to older people, they know they dont have enough. They feel a bit ashamed that they didnt save enough or they made a mistake early in their lives, so theres a stigma from not having enough in retirement, and the stigma comes from feeling that people will blame you. (light music) I am Teresa Ghilarducci, and Im the Director of the Schwartz Center for Economic Policy Analysis at the New School for Social Research. Is there a retirement crisis? Our research says there is, and we hear stories from across America. After paying for electric and phone, I can barely put food on the table or gas in my car. I live on Social Security now, because when I got sick, I lost all my savings. And things like, Im never going to retire. Im going to work until I die. You wonder why so many Americans are struggling? Well retirement used to mean you worked for 30, 40 years, you paid into Social Security, you had a pension, you bought a house, and you even paid for your k