Teresa Ghilarducci (born July 22, 1957)[1][2] is an American scholar on labor and retirement issues.

Ghilarducci won an Association of American Publishers award for her book Labor's Capital: The Economics and Politics of Employer Pensions in 1992.

[3][4][5][13] Ghilarducci is the Bernard L. and Irene Schwartz Professor of Economics at the New School for Social Research in New York City.

[13] She serves as a public trustee for the health care VEBAs for United Auto Workers retirees of General Motors, Ford Motor Company and Chrysler, and United Steelworkers retirees of Goodyear Tire and Rubber Company.

From September 1994 to May 1995, while on leave from Notre Dame, Ghilarducci was Assistant Director of the AFL-CIO's Department of Employee Benefits.

[4][5][8][10][11][13] Concurrently, from 1996 to 2002, she served on the board of trustees of the State of Indiana Public Employees' Retirement Fund.

[14] The piece told people to deny their pets veterinary care, eat lentils instead of meat, and to sell their cars and take the bus to work.

In her book When I'm Sixty-Four: The Plot against Pensions and the Plan to Save Them, Ghilarducci proposed mandatory participation in a government-run savings plan to which each worker and his employer would supplement his Social Security pension by contributing 5.0 percent each of her or his salary.

In response to her book, When I'm Sixty-Four: The Plot against Pensions and the Plan to Save Them, James Pethokoukis of U.S. News & World Report jokingly called her "the Most Dangerous Woman in America".