Uploaded August 2026 | Updated September 2026, 3 weeks ago
Thanks to our good friends at Advisor.com for sponsoring this episode! Schedule a FREE consultation call with Advisor today and never make another financial decision alone. Take this short quiz to get started: bit.ly/3SrGLDV
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: bit.ly/kara428
-Budgeting app - Monarch: bit.ly/KP82826
-High yield savings account - SoFi: bit.ly/4gNqEsv
Kara is the founder of Kara Explores Money & author of Money For Change. Find more from Kara:
-Follow her here: instagram.com/karaexploresmoney
-You can purchase Kara's book, Money For Change, here: 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: nytimes.com/2026/07/14/opinion/housing-retirement-crisis.html
dol.gov/general/topic/retirement/typesofplans
msn.com/en-us/money/retirement/ar-AA23c0Ab
investopedia.com/terms/p/pensionplan.asp
congress.gov/95/statute/STATUTE-92/STATUTE-92-Pg2763.pdf
pensionrights.org/resource/how-many-american-workers-participate-in-workplace-retirement-plans
fred.stlouisfed.org/series/ASPUS
wsj.com/personal-finance/retirement/the-biggest-new-fans-of-401-k-s-are-small-businesses-c25f57c1
congress.gov/bill/119th-congress/senate-bill/1831/text
thehill.com/opinion/finance/5818644-helping-young-americans-save
kvue.com/article/money/economy/boomtown-2040/austin-rent-increase-highest-in-us-report-says/269-508318c0-e380-4b02-9bb1-7b579b99f20b
austin.culturemap.com/news/real-estate/08-16-21-austin-holds-this-lone-distinction-in-texas-home-prices-over-past-decade
planetizen.com/node/22840?amp
austinmonitor.com/stories/2015/11/council-loosens-rules-accessory-dwelling-units
data.austintexas.gov/Building-and-Development/Accessory-Dwelling-Unit-Building-Permits-Issued/qsf3-fhnv/about_data
texastribune.org/2023/11/02/austin-minimum-parking-requirements-housing-shortage
pew.org/en/research-and-analysis/articles/2026/03/18/austins-surge-of-new-housing-construction-drove-down-rents
apfc.org
apnews.com/article/fires-france-england-heat-drought-bb9926465acf98a7790a7bf01294f604
Thanks to our good friends at Advisor.com for sponsoring this episode! Schedule a FREE consultation call with Advisor today and never make another financial decision alone. Take this short quiz to get started: bit.ly/3SrGLDV
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: bit.ly/kara428
-Budgeting app - Monarch: bit.ly/KP82826
-High yield savings account - SoFi: bit.ly/4gNqEsv
Kara is the founder of Kara Explores Money & author of Money For Change. Find more from Kara:
-Follow her here: instagram.com/karaexploresmoney
-You can purchase Kara's book, Money For Change, here: 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: nytimes.com/2026/07/14/opinion/housing-retirement-crisis.html
dol.gov/general/topic/retirement/typesofplans
msn.com/en-us/money/retirement/ar-AA23c0Ab
investopedia.com/terms/p/pensionplan.asp
congress.gov/95/statute/STATUTE-92/STATUTE-92-Pg2763.pdf
pensionrights.org/resource/how-many-american-workers-participate-in-workplace-retirement-plans
fred.stlouisfed.org/series/ASPUS
wsj.com/personal-finance/retirement/the-biggest-new-fans-of-401-k-s-are-small-businesses-c25f57c1
congress.gov/bill/119th-congress/senate-bill/1831/text
thehill.com/opinion/finance/5818644-helping-young-americans-save
kvue.com/article/money/economy/boomtown-2040/austin-rent-increase-highest-in-us-report-says/269-508318c0-e380-4b02-9bb1-7b579b99f20b
austin.culturemap.com/news/real-estate/08-16-21-austin-holds-this-lone-distinction-in-texas-home-prices-over-past-decade
planetizen.com/node/22840?amp
austinmonitor.com/stories/2015/11/council-loosens-rules-accessory-dwelling-units
data.austintexas.gov/Building-and-Development/Accessory-Dwelling-Unit-Building-Permits-Issued/qsf3-fhnv/about_data
texastribune.org/2023/11/02/austin-minimum-parking-requirements-housing-shortage
pew.org/en/research-and-analysis/articles/2026/03/18/austins-surge-of-new-housing-construction-drove-down-rents
apfc.org
apnews.com/article/fires-france-england-heat-drought-bb9926465acf98a7790a7bf01294f604
