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The study looked at 895 personal bankruptcy cases and questionnaires from those aged 19 to 92. “Older Americans are more likely than ever to find themselves in bankruptcy court, seeking protection from creditors. Depending on their age cohort, their rate of bankruptcy has increased between 200 and 300 percent since 1991,” write the authors of the study. It’s due to a confluence of economic factors — including delayed full Social Security benefits, an increase in out-of-pocket medical spending, a rise in pensions replaced by 401(k) savings plans, and dwindling incomes — that have off-loaded of the costs of aging onto a generation with limited resources, according to the study. Consequently, they turn to bankruptcy court. According to the study, the median wealth for over 65 bankruptcy filers is -$17,390. Non-bankrupt Americans of the same age recorded a median wealth of more than $250,000. While the number of older bankruptcy filers was only 100,000 a year between February 2013 to November 2016, it reflects the state of “financial distress” for others, writes The Times reporter Tara Siegel Bernard. The study found an increase in the number of bankruptcy filings for the next generation, Gen X, as well. But bankruptcy isn’t a cure-all when you’ve already reached retirement age, the study found. “For older Americans, bankruptcy is too little too late. By the time they file, their wealth has vanished, and they simply do not have the enough years to get back on their feet.” Debt, healthcare costs, declining income, and supporting family have contributed to bankruptcy Respondents of the study cited a decline in income, too many healthcare costs, and too much debt as contributing factors to their bankruptcy. Not only have healthcare costs soared over the past several decades, Business Insider previously reported, citing the Bureau of Labor Statistics, but baby boomers are entering their senior years with greater health risks, such as “higher rates of obesity and diabetes and lower rates of very good or excellent health status,” according to the 2017 United Health Foundation study. This can lead to unexpected medical expenses. Respondents also attributed their bankruptcy to spending money to help children or older parents. Business Insider previously reported that one of the most pressing problems facing baby boomers is the need to care for their elderly parents, which comes at a huge cost. One bankruptcy lawyer also told The Times that many parents cosign loans for their children. He said older people with student loan debt is something he didn’t two or three decades ago. But, considering that college tuition has more than doubled since the 1980s, it makes sense. The average student debt per graduate who took out loans is higher than ever, at $17,126, Business Insider reported in November. From 2000 to 2012, the percentage of students taking out student loans increased by 10% psryde.co.uk , and they began borrowing more money too, according to a report by the American Academy of Arts & Sciences. The Times also cited an Urban Institute analysis that found an increasing number of people have more debt as they enter retirement years, especially because of their mortgage — the percentage of those carrying mortgage debt nearly doubled from 1989 to 2016. With working baby boomers putting away only 5% of their income, according to a NerdWallet study, they aren’t left with much of a cushion should they run into a financial problem. 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He had recently launched a new business, a move that had temporarily reduced his take-home pay by half. “Had I known about the debt, I probably would have delayed the business launch,” he said. “My income dropped by half and, at the same time, my debt payments went up by $1,200. The timing was auspicious, but it made me work harder and want to build my business.” Earlier on, Christenson held positions at a hedge fund and wealth management firm, which prepared and inspired him to launch a financial planning firm, Phillip James Financial, which he did through a partnership with a childhood friend. Though he was suddenly buried in his wife’s student loan debt, he aspired to overcome the financial obstacle using what he knew about money management. “I wanted to live what I was recommending to clients within my practice,” he said. “I don’t like to have debt myself. I wanted to make sure my own finances are in order.” The couple started by cutting extraneous expenses. They scaled back from going out to eat a few times a week to not at all. They stopped going on vacations. But while they lived on a shoestring budget, it wasn’t enough to move the needle the way Christenson desired. That’s when he started to look into real estate. Konstantin L/Shutterstock Becoming a landlord to make money Christenson found a four-unit building on the east side of St. Paul, Minn. “It was in rough shape. It needed work, but I knew I could do it,” he said. Unfortunately, his wife, Christine, was far from pleased. “She said she’d never live in it,” he said. Fortunately for him, he had some time to fix it up. Christine had just left for a one-year dietitian internship in Michigan, and he used that time to spring into action. At the time of the purchase, his monthly mortgage payment for the building was $1200. Christenson rented out three of the units for $900 per month and moved into the fourth unit. His mortgage payment was covered by the rental income. He then used the remainder of the money to fund renovations on the unit where he lived. Learning to renovate a rental property When he finished renovating his unit, he moved to an unfinished unit and started all over again. “I lived in three of the four units while we lived in the building. I did a lot of extra work to them,” he said. “It was nice when I finished. My wife ended up liking the units.” Christenson grew up remodeling homes with his grandfather, and it’s a skill that has served him well as an adult. “I did 80 percent of the work myself,” he said. He hired contractors to complete the plumbing and electrical work and to install a new furnace. Everything else he either knew how to do or he researched on YouTube. “YouTube is an amazing resource for anyone who wants to learn to do something new,” he said. As each unit was completed, Christenson raised the rent substantially — to $1,895. “The monthly income was nice and that helped repay our debt, but I knew there was a lot of equity in the building,” he said. “There was $100,000 left in the property because of the work I’d done. We definitely got some sweat equity.” Selling the rental property At the completion of her internship, Christine moved into one of the units with her husband, and they lived there for quite some time. “But we were married and starting our lives, and I knew she wanted something different than the four-unit building,” he said. “Plus, we wanted to be closer to our families, who were on the west side of St. Paul.” So, the couple sold the property and netted a $120,000 gain. “It took three to four months to sell. We definitely benefited from an upswing in the housing market,” Christenson said. They then rolled a large portion of those earnings into Christine’s student loan bill, paying off all but $15,000. “That was by design. It’s a three percent interest rate, which is super low. Now we have more freedom to do more stuff that we wanted to do before. We’re not worried about everything we spend Canada Goose parka ,” he added. Related:Is Real Estate Still a Good Investment? Khalid Ahmed/Flickr How life has changed for the Christenson family Today www.londonbc.co.uk , Phillip and Christine have a lot more cash flow than they used to. They’ve paid off a good deal of Christine’s student loan debt and their incomes have gone up. Phillip’s business has taken off and Christine has landed steady work. Even so, they’ve chosen not to live the high life. “We’re trying to not increase our standard of living,” said Phillip. “We’re not going to travel around the world.” They increased how often they go out to eat but still generally choose savings over luxury. “We’re trying to get back on track with our IRAs and we’re building up our cash reserve,” he said. “We don’t want to get back into a bad cash flow situation in the future.” This time around, they have a little extra motivation. Three months ago, the couple welcomed their first child into the world. Phillip and Christine want to make sure they can fund a happy life for their budding family. Related:Best Savings Accounts for Your New Baby Advice for others in debt Even though he had great success with the four-unit property he bought, Christenson isn’t sure the same strategy would work out today. “The market has gone up since then. The property I bought may not be available in today’s market. 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Former RBI Governor Raghuram Rajan’s note of caution on the next financial crisis that could be building up needs to be taken in all seriousness. In his note to Parliament’s Estimates Committee on bank non performing assets (NPAs), Mr. Rajan has flagged three major sources of potential trouble: Mudra credit, which is basically small ticket loans granted to micro and small enterprises; lending to farmers through Kisan Credit Cards; and contingent liabilities under the Credit Guarantee Scheme for MSMEs, run by the Small Industries Development Bank of India.

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