Surveying more than 3,000 Americans, PensionBee Happy Retirement Report finds retirement sentiment drops over 10% in 2025NEW YORK, Dec. 18, 2025 (GLOBE NEWSWIRE) -- Retirement optimism dropped by over 10% in 2025, according to new consumer sentiment data by PensionBee. Positive retirement sentiment peaked in March at 55% before dropping to just 44% by year’s end. 2025 brought volatile markets, unprecedented tariffs, and the longest government shutdown in history. PensionBee’s 2025 Happy Retirement Report ca ...

fadfebrian / Shutterstock.com Quick Read 58% of Americans will be unable to maintain their standard of living in retirement. Americans working with a financial advisor have saved $132K versus $62K for those without one. Advisor users plan to retire at 64 compared to 66 for non-users. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. Most Americans do not have enough retirement savings. Morningstar ...

Morsa Images / Getty Images High income is not the only way to financial prosperity; living frugally, investing wisely, and optimizing for taxes are all important ingredients for anyone to accumulate financial wealth. Key Takeaways Only 3.2% of retirees have $1 million in retirement accounts vs. about 2.6% of Americans in general. The average retirement savings for households aged 65-74 is $609,000, while the median is only about $200,000. The number of "401(k) millionaires" in America reached a reco ...

A number of changes are coming to 401(k) plans in 2026, including higher contribution limits for all account holders. The amount individuals can contribute to their 401(k) plans will rise to $24,500 in 2026 from $23,500 for 2025, according to the IRS. Trending Now: Suze Orman Says If You’re Doing This, You’re ‘Making the Biggest Mistake in Life’ Try This: 6 Things You Must Do When Your Savings Reach $50,000 Another change, included in the Secure 2.0 Act of 2022, targets high earners over 50 only. This ch ...

Money expert Rachel Cruze is known for her approachable and encouraging take on personal finance. She recently posted a YouTube video to help people anxious about money see that, if they meet six basic criteria, they’re on the right track and managing their finances responsibly. Learn More: 6 Signs You’re Actually Upper-Middle Class (Even If You Don’t Feel Rich) Read Next: 6 Things You Must Do When Your Savings Reach $50,000 1. You Have More Than $400 Saved In her video, Cruze cited a 2022 study showing ...

退休储蓄账户平均余额 - 2025年第三季度 个人退休账户平均余额上升至137,902美元 [1] - 2025年第三季度 401(k)计划平均余额上升至144,400美元 [1] 提升退休储蓄的策略 - 应充分利用雇主提供的401(k)匹配供款 这是无需放弃的免费资金 [3] - 需了解匹配供款的具体条款 并确认雇主的权益归属时间表 [3] - 若匹配条件可达且易于获取 应尽力提高储蓄率以获取全额匹配 可能需重新规划支出或考虑兼职以增加供款资金 [4] - 从雇主处获得的每一美元匹配供款都可进行投资 长期将显著增加储蓄 [5] 利用薪资增长增加储蓄 - 若2026年获得加薪 无论是基于生活成本还是绩效 从一开始就将增加部分用于储蓄是有效的策略 [6] - 对于401(k)计划 可通知薪资部门按加薪幅度提高供款比例 [7] - 对于个人退休账户 可设置定期供款以自动存入加薪部分 [7]

Canva | tab1962 and Minerva Studio Quick Read A $150,000 retirement savings balance isn’t huge for someone who’s 55. Before you panic, see how much you can reasonably save during the tail end of your career. Talk to a financial advisor about ways to salvage your situation and minimize your stress. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take 5 minutes to learn more here   ...

文章核心观点 - 金融专家苏兹·奥曼警告消费者应避免因假日消费而陷入债务循环 并强调设定具体财务目标的重要性 以在新的一年里切实改善财务状况[2][3] - 消费者普遍在年初设定积极的财务目标 但在年底假日季因消费压力而放弃执行 导致财务计划失败[2] - 通过设定正确的财务目标并坚持执行 消费者可以打破这一循环 在年底实现财富增长[2] 假日消费与债务风险 - 预计美国消费者本假日季平均支出为1,595美元[3][4] - 全国假日季债务总额预计将膨胀至2,630亿美元[3] - 45%的父母在本假日季面临陷入债务的风险[3][4] 信用债务成本 - 美联储报告显示信用卡平均利率为21.39%[4][6] - 由于持有余额的成本过高 偿还信用卡债务应是首要财务任务[6] 退休储蓄与投资 - 社会保障仅能替代约40%的退休前收入[6] - 一项研究发现 一个单一习惯可以使美国人的退休储蓄翻倍 并将退休从梦想变为现实[4] - 进行投资 特别是足以获得雇主全额匹配供款的投资 对于避免退休后破产至关重要[6] 建议的财务目标 - 储蓄[8] - 偿还信用卡债务[8] - 为退休进行投资[8] - 其他个性化目标可包括为购房储蓄或控制学生贷款债务[7]

Saving money is challenging under the best of circumstances — and it’s even harder if you’re retired and living on a fixed income. According to Schroders, about 25% of U.S. retirees have lost sleep over their finances, and 27% spend at least an hour a day worrying about money. (1) If you share those concerns, building even a small cash cushion can help ease the stress. Here are five simple ways to save $10,000 with minimal effort. Must Read 1. Use automation Willpower is often the biggest obstacle to ...

核心观点 - 文章总结了个人理财专家Rachel Cruze提出的七项在财富积累过程中常被忽视的关键策略 旨在优化个人财务管理并加速财富增长 [2] 债务管理 - 债务由本金和利息构成 即使利息部分看似微小 长期也会累积 建议动用储蓄账户资金快速偿还债务 债务清偿后 可更积极地进行储蓄和投资 [3] - 使用信用卡可能阻碍财富积累 因为支付的是已消费的物品 情感上不觉得在花自己的钱 可能导致过度消费 若产生信用卡余额 其月利率也会拖累财富积累进程 [6] 储蓄策略 - 将应急资金存放在普通支票账户中有较高的花费风险 建议将应急基金存入在线高收益储蓄账户 [3] - 获得加薪时 应避免生活水平随之攀升 例如获得10%加薪后 不应将支出也增加10% 而应将额外资金直接用于增加投资或提高储蓄率 以积累财富 [5] 住房与支出 - 住房支付是最大支出之一 建议将月供控制在月度总收入25%以下 超过此比例将几乎无余钱用于积累财富 为避免高月供 应储蓄更多资金以支付更高的首付款 前期储蓄虽耗时 但能释放更多资金用于财富建设 [4] 退休规划 - 退休储蓄依赖时间增长 建议在无债务且拥有充足应急基金后 将收入的15%用于投资 具体的投资渠道不如投入水平重要 [7]