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The Rise of Retirement Among African Americans: Wealth and Social Security Effects
National Bureau of Economic Research [NBER] Nov. 13, 2008
Excerpt: My findings have implications for understanding racial differences in trends in retirement and independent living. I show that the retirement rates of both blacks and whites rose between 1900 and 1930 but that convergence in black and white rates and in living arrangements only occurred between 1930 and 1950. I argue that income effects from the institution of Social Security explain up to half of the convergence in black-white retirement rates and in living arrangements.
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