Making Money Retiring at 65 Makes No Sense
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Feb 9, 2026 Amlan Roy, a demographer who advises governments and wrote Demographics Unravelled, explores how shifting population structures reshape pensions, work and the economy. He discusses flexible, life-expectancy‑linked retirement, means‑tested state pensions, fertility trends, migration and boosting female labour participation. Short, provocative takes on why traditional retirement ages may no longer fit.
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Fixed Retirement Ages Don’t Fit Longer Lives
- Living longer makes fixed retirement ages irrational because people will work a much smaller portion of their lifespan.
- Amlan Roy asks who will pay if people live 100 but only work 40 years.
Demographics Is More Than Age
- Demographics is broader than age and includes varied characteristics like education, gender and location.
- These consumer and worker differences drive GDP, inflation, asset prices and inequality.
Personal Backgrounds Show Demographic Variety
- Amlan Roy contrasts his and his wife's similar ages but different upbringings and education to show diversity within cohorts.
- He uses personal schooling and city examples to illustrate demographic variety.
