UMBC’s Heather Quach ‘23, financial economics, and Victor Li ‘23, financial economics and computer science, have won the 2021 iOme (I Owe Me) Challenge, a national competition that invites students’ ideas for solving financial and retirement challenges.

Their winning essay is titled “Improving Retirement: The Role of Education and Innovation.” It focuses on the three “pillars of retirement”—Social Security, employer-sponsored retirement plans, and individual savings plans—and introduces the fourth pillar of health as heavily influencing retirement options. Click here to continue reading.