Nearly 20% of U.S. Retirees Struggle Financially as 64% Regret Planning Gaps
Updated
Updated · Yahoo Finance · Sep 10
Nearly 20% of U.S. Retirees Struggle Financially as 64% Regret Planning Gaps
1 articles · Updated · Yahoo Finance · Sep 10
Summary
Nearly 20% of American retirees say they are struggling financially, while 64% in Schroders' 2026 Retirement Survey wish they had done more planning before leaving work.
Five 'hidden' retirement misfires are cited as drivers, led by mistaking high income for real wealth and letting lifestyle creep erode savings.
Goldman Sachs reporting underscores that risk: almost one-third of households earning $100,000 to $200,000 live paycheck to paycheck, rising to 41% among those making $300,000 to $500,000.
The report argues social media can mask financial stress by amplifying upbeat spending signals, leaving retirees and near-retirees with a distorted view of how secure their peers really are.
For workers still preparing for retirement, the findings point to a broader lesson: stronger pre-retirement planning matters more than headline income in avoiding later financial strain.