iM-AI on money for retirement by Kai Neumann (#1) Comments (0) The content of this page is licensed under the Creative Commons Attribution 3.0 License. Quick view of the model (open complete model with iMODELER): Open with iMODELER Import model Tweet Kai Neumann (#1) has provided a description of the model with the iMODELER Presenter. Description TargetWorkplace Wellness ProgramsUser-Friendly App InterfacesUse of Index FundsUse of Budgeting ToolsUrban Housing CostsUnrealistic Retirement ExpectationsTransparent Fee DisclosureTime ConstraintsTechnical Issues or BugsTax Credits for EmployersTax Advantages of HSAsSupport for Elderly ParentsStudent Loan BurdenSpending Trackers or AlertsShort-Term Contracting TrendsShift to Passive InvestingShareholder Pressure for DividendsSelf-Employment Tax BurdenSeasonal EmploymentSchool Curriculum IntegrationRoutine Health ScreeningsRising Urban Rental PricesRise of Portable Benefits PlatformsRemote Work OpportunitiesRelocation to Low-Cost AreasRegulatory MandatesRegular Market MonitoringPublic Insurance OptionsPsychological Budgeting TechniquesProfit Decline in FirmsProfessional Associations' Retirement PlansPreventive Health CarePositive Workplace CulturePoor Lifestyle HabitsPoor Financial PlanningPolitical InstabilityPeer Pressure for Material StatusOverconcentration in One SectorOut-of-Pocket Medication CostsNutrition and Fitness EducationMultiple Revenue StreamsMoney for retirementMisinformation from Social MediaMinimalist Lifestyle ChoicesMarket VolatilityManual Savings ManagementLower Cost of Living in Rural AreasLow-Correlation Asset AllocationLow Contribution LimitsLimited Affordable Housing SupplyLanguage or Literacy BarriersLack of Retirement GoalsLack of Preventive Care CoverageLack of Investment KnowledgeLack of Infrastructure in Cheaper AreasLack of HSA Provider OptionsLack of Health InsuranceLack of Clear Financial MilestonesLack of Benefits in Freelance ContractsIrregular Income StreamsInvestment Tracking AppsInvestment GrowthInterest Rate HikesIntegrated Bank Syncing FeaturesInsurance Market WithdrawalImpulse Spending HabitsHigh Living ExpensesHigh Investment FeesHigh Employee TurnoverHigh Consumer DebtHigh Co-Pays or DeductiblesHigh Advisor FeesHealth Savings Accounts (HSAs)Health Care Costs in RetirementGovernment Stabilization PoliciesGovernment Rent Control PoliciesGovernment IncentivesGoal-Based Financial Planning ToolsGlobal Economic ShocksGig Economy EmploymentGenetic Health ScreeningsFrequent Job ChangesFrequent Impulse PurchasesFreelance or Gig Work DependenceFinancial News ConsumptionFinancial Independence MovementFinancial EducationFinancial Counseling AccessFee-Only AdvisorsFamily Financial DependentsFamily Budgeting PracticesEmployer-Sponsored Health PlansEmployer Retirement ContributionsEmployer Payroll SystemsEmployer HSA ContributionsEmployee Retention ProgramsEmotional Trading ReactionsEmotional Ties to Current LocationEmotional Coping Through ShoppingEmergency Savings BufferEconomic DownturnsDiversified PortfolioDeregulation TrendsDefault Enrollment PoliciesDebt Consolidation PlansData Privacy ConcernsCultural Emphasis on FrugalityCultural Barriers to Medical VisitsCredit Card DependencyCorporate Social Responsibility (CSR) PoliciesCorporate Cost-Cutting MeasuresConsistent Long-Term SavingsCo-Housing or Shared Living OptionsChronic Health ConditionsChildren's Education ExpensesCertified Professional CredentialsCareer Advancement OpportunitiesAutomatic Payroll DeductionsAnnual Financial ReviewsAggressive Advertising CampaignsAdvisor Experience in Retirement PlanningAdvisor Conflicts of InterestActively Managed FundsAccessible Online ResourcesAccess to Robo-AdvisorsAccess to Public Social SupportAccess to Financial Advisors