Americans’ retirement confidence has been noticeably shaken in recent years. The percentage of adults expecting to live comfortably in retirement is down by five percentage points over the past year and ten percentage points since 2021. Less affluent Americans are especially concerned. A record-low 19% of lower-income adults expect to live comfortably, according to Gallup, which began tracking these measures in 2002. A record-high 88% express worry about having enough money to retire.
While just 19% of nonretired adults expect to have enough money to retire comfortably, Gallup said 36% of middle-income adults do and 65% of upper-income adults. What’s interesting is that while non-retirees are worried about their retirement prospects, those who are already retired are not. Gallup found that 77% of retirees say they currently have enough money to live comfortably, a figure that’s unchanged from last year despite the rising cost of living.
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