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A self-described “retirement nerd” and advocate for social democratic policies, the 68-year-old Ghilarducci told Fortune about how she came to partner with Hassett, saying it’s a natural outgrowth of her 42-year career studying retirement security. At The New School, she directs a think tank and a specialized lab that studies how to promote economic security for aging Americans and she believes now is the time for major changes in how the U.S. approaches retirement, especially for low-income workers.