TikTok's Aging Filter Could Help Spur Retirement Planning

Seeing a realistic-looking older version of themselves could serve as the nudge many people need to start saving in earnest for the future.

A young woman faces an older woman. Both have their eyes closed.
(Image credit: Getty Images)

Have you tried out the aging filter on TikTok? This fun and seemingly frivolous feature allows users to preview a highly realistic visual representation of their future aged selves. It has also unexpectedly sparked a crucial conversation about an often-overlooked topic — retirement planning.

The filter uses artificial intelligence to simulate the aging process, adding wrinkles, gray hair and other signs of aging to a user's face. The result is a compelling visual of how the user might look decades from now. While the primary purpose of the filter is to entertain, a realistic vision of oneself as an older person does encourage users to consider the future more seriously. A topic that often seems too distant to discuss — retirement — is suddenly now more tangible as a result of this viral trend.

Subscribe to Kiplinger’s Personal Finance

Be a smarter, better informed investor.

Save up to 74%

Sign up for Kiplinger’s Free E-Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

Sign up

This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

To continue reading this article
please register for free

This is different from signing in to your print subscription

Why am I seeing this? Find out more here

Sara Stanich, CFP®, CDFA®, CEPA
Founder, Cultivating Wealth

Sara Stanich is a Certified Financial Planner practitioner, Certified Divorce Financial Analyst (CDFA), Certified Exit Planning Advisor (CEPA) and founder of Cultivating Wealth, an SEC-Registered Investment Adviser. Sara has been a financial adviser since 2007, which followed 12 years in marketing roles and an MBA from New York University. She is a frequent source for the financial press, and has been quoted in Investor’s Business Daily, U.S. News and World Report, and CBS News. After over 25 years in New York City, Sara recently moved to the beach with her husband, three kids and Labrador retriever. She frequently blogs at cultivatingwealth.com.