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Utah State University

2011

Home Economics

All Graduate Theses and Dissertations

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Debt And Negative Net Worth Among Near Retirees, Susan M. Brown May 2011

Debt And Negative Net Worth Among Near Retirees, Susan M. Brown

All Graduate Theses and Dissertations

Going into retirement, near-retirees are looking at increased debt levels, which can offset any asset accumulations and reduce retirement income. By using data from the 2008 Health and Retirement Study (HRS), this study examines the debt and negative net worth of near-retirees. This study further investigates what factors are associated with the likelihood of holding consumer debt, holding mortgage debt, and holding home equity debt over holding no debt, and what factors are associated with the likelihood of holding negative net worth over holding a high level of net worth among near-retirees. The study sample includes 3,745 individuals between ...