Book

Retirement security has become one of the defining economic challenges of the twenty-first century. Yet millions of immigrant workers—who contribute substantially to the United States economy and the Social Security system—remain systematically excluded from the very financial institutions designed to ensure long-term economic stability. In Financial Stability and Retirement Preparedness for Immigrant Communities in the United States: A Matter of National Interest, economist Fellipe Lima Gomes Rabelo examines the structural forces driving retirement inequality among immigrant populations and argues that financial inclusion is not merely a social objective but a strategic economic imperative. Drawing upon evidence from the Congressional Budget Office, Social Security Administration, OECD, World Bank, RAND Corporation, and leading academic research, this book analyzes how immigration, labor markets, public finance, behavioral economics, and retirement policy intersect to shape America's long-term fiscal sustainability. Rather than viewing immigrant retirement preparedness solely through the lens of social policy, the book develops a broader institutional framework demonstrating how inclusive retirement systems can strengthen economic resilience, improve labor market efficiency, reduce future public expenditures, and reinforce the solvency of Social Security. The work critically evaluates current U.S. retirement policies, including the SECURE 2.0 Act and state Auto-IRA initiatives, while comparing them with international models such as Australia's Superannuation Guarantee and Canada's multi-pillar pension system. It further explores the future role of portable benefits, financial technology, artificial intelligence, and institutional innovation in creating a more inclusive retirement architecture for an increasingly mobile workforce. Combining public economics, household finance, labor economics, institutional economics, and public policy, this volume offers policymakers, economists, researchers, financial professionals, and graduate students a comprehensive framework for understanding one of the most overlooked challenges facing the American economy.