Americans are reducing their retirement savings. That's a "warning sign," experts say.

TL;DR

Employees reduced their 401(k) contribution rates in 2025 to 8.9% from 9.2% a year prior.
One in four workers lowered their annual savings in employer-sponsored retirement accounts.
The decline in contributions was sharpest among workers earning $50,000 to $100,000 annually.
Almost 20% of full-time workers took out loans from their 401(k) plans last year, the highest share on record.
Gen Z workers were the only generation to increase their retirement contribution rates, moving from 5.9% to 6.2% last year.
Financial stress, covering day-to-day expenses, and rising costs like gasoline are contributing factors to reduced savings.

Weiter zum Originalartikel