The RCS is the longest-running survey of its kind, measuring worker and retiree confidence about retirement, and is conducted jointly by the Employee Benefit Research Institute (EBRI) and Greenwald Research.
The 2026 RCS was fielded with two samples (for a total of n=2,544): a general population sample of 2,052 Americans including 1,007 workers and 1,045 retirees, plus an oversample of 492 caregiver respondents (resulting in a total of 701 caregiver workers and 305 caregiver retirees between the two samples). The survey of both samples was conducted online January 2–28, 2026. All respondents were ages 25 or older.
The general population sample was weighted by age, sex, household income, and race/ethnicity. All caregiver respondents (regardless of sample) were weighted separately by age, sex, and household income to reflect the caregiver population in the United States. Unweighted sample sizes are noted on charts to provide information for margin of error estimates. The margin of error would be ± 3.1 percentage points for workers, ± 3 retirees, ± 3.7 for caregiver workers, and ± 5.6 for caregiver retirees in a similarly sized random sample.
Workers Retirees Figure 1: Figure 2: Figure 3: Figure 4: Figure 5: Figure 6: Figure 7: Figure 13: Figure 14: Figure 12: Figure 15: Figure 11: Figure 16: Figure 10: Figure 17: Figure 9: Figure 18: Figure 8: Figure 19: Retirees Retirees’ confidence Worke Half of Three in five Retirees Half of Only Possible government changes Two in three The More retirees More retirees Two in five Almost More workers Social Security re More than four in Nearly shares 37% of r worker worker confid half of half of are are worker of work also concerned about less worker retirees are confident retiree s s ence is down, with retired retired retiree say are co are co worker likely five workers mains s and a s they will never re ers and s rate their financia in Medicare benefits earlie earlie s rate t are ha nfiden nfiden s to think te the be quarte retiree r than planned th r than planned d t t ving the heir fin confident top that Social in the Medicare s to the chnolo are int source only r of s who that ancial changes to tire tha retirem retirement system retiree erested gy three in five compared with l well Social of report that Securit will he well in the incom n - s ent life ue being an in 2025 do Security benefits will in purc -being as very go ystem y will c the to lp them in 2025 future has fallen not kno e for 9 a heal being style th highly. U.S. debt interferes . hasing provid ontinue last . mana retirement and a in 10 w th confid ey Rating year. who to proble ing a ge to ent od s m 2026 2026 Key Findings Key Findings Key Findings Key Findings Key Findings Key Findings RCS Sponsors RCS Overview Only they have or excellent, recession system or disability than guaranteed sharply equal finances as they age, be provide retirees and the with go envisioned, for physical health and to for of similar their ability to a benefits in the quarter are very confident. and from 2025, similar financial advice. top enough money to an economic recession. and three in four can income product value down the benefits top last year. list of workers’ concerns save with as today, from 2025. expected future, the and the only 3 financial in the future, for or live a live comfortably with in 5 expressing confidence. Only share source for workers, drop from last year. same as last year. well spend money how they want. retirement in retirement about using AI tools same -being a around retirement. as last third report being are down savings. in retirement. are year. followed as sources up. from 2025. closely of information in excellent by or very good rises. workplace physical health. retirement savings plans. While retirees Guaranteed Workers’ More Americans Workers expect Workers’ financial well and retirees’ income report to are retire later their options looking for retirement -being has standard are and plan retirement appealing to confidence declined, and of living to work in retirement. planning to declines. be good, workers, debtsupport; remains including worries half an bridge think Median Retirement Age… EBRI and Greenwald would like to thank the 2026 RCS sponsors Impact of Necessary Expenses on Retirement Well-Being Rating (Expected vs. Actual) remain technology/AI as expenses will help in retirement with their finances are higher as than they expected age. . obstacle annuities to and savings. annuities as a part of a default option in a retirement Well-Being Rating (2026 Workers n=1,007; 2026 Retirees n=1,045) th (2026 Retirees n=1,045) Fewer While t A he me medi rican an s fe exp el c ect onf ed ident retireme about nt a hav ge ing for en wor ough mone kers has hel y d to sltiea ve dy comfort ably in retirement, with only three in five Interest Do Workers’ Retirees’ in Worker Retiree Not Purchasing Know Major/Minor who Concern Concern Confidence Confidence Workers' Confidence Retirees' Confidence Workers’ Retirees’ Who to helped Expected/Actual Guaranteed Surrounding Surrounding Go Reasons Sources Confidence Confidence Retirement sh in in Having Enough Did to ape this Having for You Income Retired Earlier Good of Scenarios Scenarios Retire…? Income Enough in in Medicare System Retirement year’s Lifestyle in Social Security in Social Security Medicare System Financial/Retirement Product in Retirement Money in Money in Retirement Impacting su Impacting rvey. Age With Retirement Retirement Retirement Retirement Advice Savings Sources of Information Sources of Information 36 Annual Retirement Confidence Survey (RCS) (2026 Workers n=1,007) savings plan. (2026 Workers n=1,007) wor at aker ges 65 and , a gr three owi ng in four share retrepor irees t repor they tido ng not confi pldence ( an to ret Fiigures re (Figure 1–2)13 . ). (Plan to (Par retir ticip e (ati Retir or ha ( (2 2 ng 0 02 2 ed 6 6 v in e Worke Worke ear w retir orkp lier ed: ( ( ( ( ( ( ( ( ( (2 2 2 2 2 2 2 2 2 2 r r lace s n=1 s n=1 0 0 0 0 0 0 0 0 0 0 tha 2 2 2 2 2 2 2 2 2 22 6 6 6 6 6 6 6 6 6 60 n Wor Wor Wor Wor Retir Retir Retir Retir Retir Retir 2r,0 ,0 pla 5 etir 0 0 Wor kers kers kers kers 7 7 ees n= ees n= ees n= ees n= ees n= ees n= nn ement ; ; 2 2kers ed: 0 0 n=1, n=1, n=1, n=1, 2 26 62 n= 1 1 1 1 1 1 Re Re pla 0 ,0 ,0 ,0 ,0 ,0 ,0 0 0 0 0 24 4 4 4 4 4 0 0 0 0 tir tir 864 6n: 5 5 5 5 5 5 7 7 7 7 ee ee Retir ) ) ) ) ) ) ) ) ) )2 ; s n=1 s n=1 0 22 0 ee 6 2 5 Wor n= ,0 ,0 Retir 4 44 kers 5 59 ) )ees n= 5) (2 n=48 026 Re 12 ,0 tir) e 4 e5 s )n=1,045) Th A m The e s s a ha ha jori re re ty of of of ret Ame work iree e rica rss a sns a nd y wh tret he o t iiree r hi stnk a Work s nda rep the ort rd y ers ha iof ng v l it e vhe in the g ir ifi s rna ia gh tnc lte e a ia duca slt we good, lt l-ion be wi a ing l ta h nd a ha s v s lf e up ry pgood ort Retirees Financial Well-Being Emotional Well-Being Physical Health 66% Financial Well-Being Emotional Well-Being Physical Health The RCS is the longest-running survey of its kind, measuring worker and retiree confidence about retirement, and is Close to a quarter of workers also adjusted their target retirement age in Workers Retirees 43% of workers res decl repor our ine tces ing d ttthi he o she iyea r sltp ar. F ndard wit ewe h ma of l r than jor iv fi ing na two inci n ret ia n lfi ireme ev ve en wor t nt s ha ker is exce ss fal and len llen ha from t/ lf vof ery 20 ret good 25 irees . Th.ree cons Retiin rees ider four the retiir rees 65% of 40% of Over eight in 10 workers are satisfied with their workplace retirement savings plan Retirees 65 of workers E Exc xcel elllen ent t Workers V Very ery goo good d G Go oo od d F Fa aiir/ r/Po Poo or r (vs. 45% in 2025) Perceptions of sa Sv tro Fiang n m gl ily and ys a a gree dequa friends So cy mew ahre at a tgree he most cited reason for confi A perso dence or nal, professio Stro nn a lgl l a fin yck a an gree c ia the l adv reof. iso Sromew Hh owev at agree er, a quarter of The American Very Stro inter nColl gl Ea est yrl A ier t ed gree hege 39% an p SlV V o aV V V V mew ery ery n S V V ery ery ery ery o nery ery mew e c c d c c c c h o o o o o o c c a n nn n n n o o t fi fi h i fi fi fi fi den den n n a n den den den den W c c tt A erest ern ern ot tgr rk t t t tA ed ed ers ee b ed out wh RV V eti S S V V V V S ery ery o o en o ery ery ery ery N rees mew mew mew o p o o t / / / /S S S S r s r s lia n o o o o h h ter o o n h mew mew mew mew a a n me me a t ted est t c c D wh wh o o h h h h ed is n n a a a a a c c a a t t t tgree c c c c ern ern t confi t confi o o o on n n n ed ed fi fi fi fiA L den den den den a den den lre ter th a t t t t Sd t t tro y o a nn gl wn p y D l thi an isn s pro aed gree duct 39% 62 ? conducted jointly by the Employee Benefit Research Institute (EBRI) and Greenwald Research. 2025, with a majority of them now planning to retire later. 25% of retirees cont a hous nd a ieh nue bout ol d’ to s s s ev fi how na en nci isn imi a 10 l lwel a wor r confi l-be ker idence ab ng s a re to confi be aout dent t lea the s a t v bout ir ery fina good hav nces ing ( in Fi tgures ret heireme righ 9– t 10 nt educat ). ional overall and with the options a You h va ad ila a bl he e alth to p he rolblem p the or a m s da isa vbility e. Jackson National workers 41% ? 47% of retirees 2026 EBRI/Greenwald workers retirees Online resources and research you do on your workers with lower Stro nconfi gly agree dence att Stron rigbut ly/Some e the whait a r fe gre el eing to inflation and the cost of living. Worker confidence retirees in having Strongly agree Strongly/Somewhat agree Family and (vs. fr ie 31 n% ds in 2025) believe they 89% do not 35% 75% 29% 56% of Financial Serv Soc ices ial Security 74% own s compa ourcesred (do wi wn th from 202583 . Th % ree for iret n four irees s a ay nd the 75 y % are for a wor ble ker to ss)pe . They nd mon are ey als o how not sure where 55% 82% say their standard 92% of 72% 72% 72% 72% 54% The 2026 RCS was fielded with two samples 80% (for a total of n=2,544): a general population samp 80% co lkno e of 2, nsid w er w d ho 05 ebt t 2 o a A go pro me fo blri r em cans en Ret ough mone irees T The he ,U U o ..S. S. n go go the v vy ernment ernment o to the tar h ke m ma a a care o king king nd, signif signif repor f tic ic he a a t nt nt iret r ba c ciha ha ring sng ng ic es es a exp tto to a en the the younge sAmeric Americ es in ret r a a an nige reme tha nt n a wor nd ker besing able to keep up with the cost of 53% 53% 79% Online resources and research you 79% do on you 11% r Reason out of 70% 12% 70% Up from last year, debt is a problem for 65% of wor The c ker osts of a nd hous a ing majo is nega r probl tivelyem for a 69% 52% 78% 69% 14% 14% 14% 69% However, plan satisfaction doesn’t translate to feeling like they’ve saved enough. 68% A personal, professional financial advisor 30% 38% 39% 40% 69% 78% (vs. 32% in 2025 ?) You could afford to retire ea 33% rlier than you planned living in retirem 51%ent is 51% 17% t the o go y 76% wan for gui t wdance ithin reason. : Over O two ver in ha filv f e of r wor etiker rees s a di nd saa gree quart tha er t of r theet y s irees pend sa less y the y do not 36% ? 28% ? 18% 83% 19% 67% 19% good financ67% ial/ 20% 66% 50% 20% 50% own A workplace retirement savings plan* for their resp fina onc nden ialt21% ’s sit uation 50% . 66% retire retirem men ent t sy syst stem em 74% 74% 65% inc49% luding 1,007 workers and 1,045 retirees, Medi plus an an ov Ageersample of 492 23%caregiver respon 49%dents (resul49% ting 49% in a total of 701 la iv nti ing ci/pa inflta e. tion Mos atre 65% ret ailrees so do — wn fro three m 20 in fiv 25 e . — A trepor the impa st a cret me ting y iri t ng io me ur ea a, fewer bility rlier to t s ha a wor vn ag e fker or/live in e s feel they are financially well enough to 73% ? 25% 73% 59% 33%64% 27% 45% ? (v (s. vs. 44 54 % % inin 2 2 00 25 25 ) ) 73% 26% 43% 10% 24% 34% A48% merican 26% 48% Fun 48% 26% ds 64% ? / Capita 64% l Group JPMor 48% 48% gan Chase 48% 64% 48% ? quarter of workers. Half of workers have credit card debt, and nearly four in 10 have excellent/very good. 63% 63% 63% 71% Compared with 2025, fewer retirees feel like the47% y will have enough mone 47% y to last their retirement planning control: 76% ? 70% t know han the whe y coul re to d go befor cause fina nci the 32% a y l ? a or re ret wor ireme ried nt p about lann riunn ng a ing dv out ice ( of money Figure 16) . . This leads to a 41% are interested in a Your employer's HR or benefits department Your employer's HR or benefits department 61% 62% ? ? 27% 60% 13% 60% ? There were Y co ha uRetirement ar nge a es at ble yo to ur spe cond mpm any oney , suc ho h as w yo do u wnsiz want within ingConfidence Survey , clo su rea retir re so oemen n r2% t*# 29% 45% 14% 12% 60% 45% 60% 45% caregiver worker 67% s and 305 caregiver retirees between t 67% he two samples). The survey of both samples was conducted 65 ha,ndl wite h a an me em di ergen an ret cy ireme expnt ena se, ge a o nd f 62 a .l a Th rger ere sis ha are lso repor a diffteren thatce debt is a major problem for their hous 76% ehold. 59% 59% W 58% orkers 65 advice Personal retirement savings or investments* more than $25,000 in non-mortgage debt. Retirees are not as plagued by debt as 57% Working in Retirement 35%43% 43% entire 38% life (69% vs. 74%). Wor 38%kers are even less optimistic: Only 57% believe their savings Social Security Bridge 56% 68% ? (vs. 73% in 2025) A lFa indd ck anc ia iof co tl iona experts or lnf ly, g idence i t uwo rus in tihn e med tn hree ret ia ori r soc reme et iailrees nt pl agree t anning he ov y ar eral e lha . v15% ing the ret Finain reme cial expnt l erts or ife gus ru t56% 42% s in yle the media or social (vs. 68% in 2025) 37% reorganization 62% 28% 27% An e An ec co ono nomic mic Bank r rec ecess essio io of n will n will Aimpa impa me c cri t t ca y yo our ur retirement retirement p pla lans* ns* 54% * * 18% 54% 32% 39% 43%Mercer 58%74% online January 2–28, 2026. All res36% ponden 19% ts were ages 25 or older. between how 40%workers think the 40% y wi 40% ll stop working 26% and how it a60% ctually 40% 10% Retirees 62 46% (Expecte46% d vs. Actua 40% l) 46% ? media media worker 39% s, but two in 39% five reti39% rees still report debt as a problem; unlike wor 29%kers, more 52% Annuity 51% 51% 51% Retiree confidence is also down, though perhaps for slightly will last their lifetime. Pe51% rhaps to address this concern, a 46% mong workers 51% who are offered 75% 38% The cost of hea 38% lth care is negatively 38% 50% 50% they envisioned. A quarter of retirees strongl Work for y a pay gree with this statement (Figure 34% 37% 37% 37% R43% epr 49% esentatives from your workplace retirement Non-Mortgage Debt 48% 30% 27% 28% pans out. While almost half of workers thi 37% nk they will have a gradual You wanted to do something else ChatGPT or other AI tools (vs. 11% in 2025) 16% ? (vs. 13% in 2025) 42% 31% 35% Workers Retirees t A ha bout n ha four lf of r in et 10 irees Ame ha rican ve less s cur tha rent n $1, ly 18% wor 00 ?0 k wi in non th profess -mortga iona gel debt financi . A a me l adv rican isorss ,can and be of 10% ? 39% ? impacting your ability to save for/live in different reasons. Like last yea 58%r, sev 35% en in 23% 10 retirees are a workplace retirement saving 34% s plan, over a third believe having investment opt 12% pla ? ions n prov28% ider/TSP 40% 26% 39% 19). (vs. 22% in 2025) 39% The gen 44% eral populatBri ion ght samp Hor le was izo 33% w ns eighted by age,33% sex, household income Nat,io and nwide race/ethnicity. All caregiver 32% 27% 71% 28% Retir 43% ement 42% Workers Retirees A regular individual retirement account or IRA 30% R te ransi present ta ion tives f tro omret youirreme workplant, ce ret tirhree ement in four retirees fully stopped working. 31% 31% retirement* 39% 41% 43% ? (vs. 59% in 2025) t prev hose en who ted do from n’ts , al avmos ing for t hal ret f of ireme wornt ker or s l a iv nd ing t wo comfort in 10 a ret bliy i rees n ret exp ireme ect nt to du wor e k wi to debt th one 54% , ? Guaranteed Income Product as 30% 30% 30% concerned that the government will make H Ho ous us cha ing ing ng c co os ses ts ts will will to ris ris the e e Online and social media posts or communities (vs. 3% in 2025) that provide guaranteed lifetime income would be a valuabl21% e i37% mprovem 32% en 36% t to 52% their 72% 16% (vs. 8% in 2025) 6% ? 29% 29% respondents (regard plan prless ovide rof s /TSP ample) were weighted separately by age, sex, and household income to reflect the 25% 28% 30% You had to care for a spouse or another family member 74% 41% Confid 16% ence 40% Net: Yes 66% a Source of Retirement Income wi Sti in t ltlh he , ta wo fut round iure. n fiv W te hree ret orker i i rees n sfi cont v se awor y it nue he ker ir texp s o a tnd urn en 39% tsmos hree es in t o iret n ften t 10 ireme ret o irees nt a fami re ne ly hi a ga nd gh tier v fri el en ty ha ids mp n for ta he ct fi y na ed nci by al A defined benefit or traditional pension plan* retirement34% system, similar CareScout to the share of workers Principal Financial Group 31% plan. 84% 27% 37% (vs. 16% in 2025) 37% 22% Online and social media posts or communities ChatGPT or other AI tools (vs. 1% in 2025) caregiver population in the United States. Unweighted sample sizes are noted on chart 56% ?s( vt s.o 64prov % in 2025 ide ) information for High 24% er than in 2025 24% , nearly half of ret 13% irees ? say they retired earlier than 4% ? You are having the retirement lifestyle you envisioned 25% 41% 18% 16% 35% 23% 23% 34% Less20% than $1,000 34% 34% 22% 33% Debt is negatively impacWorke ting yro sur Retirees You were offered an early retirement package or your employer 29% exp debt advect ice, (Fied gure folwhe lowed 11n t ). he by onl y firsine t ret res ired 28% our . Ices n a dd and ition restea o trc he h ( ir own Figure exp 17en ). Isnter es, 19% ret estiing rees ly , 19% a ha re lf of 19% 32% 32% (Figures 3–4). Retiree confidence in Social Security 41% of ret 11%irees 27% 41% 51% 31% 48% of workers 27% 35% 60% ?58% 31% 27% ? Full time margin of error estimates. The margin of error would be ± 3.1 percentage poi 11% nts ? for wor 19% 29% kers ?, ± 3 retirees, ± 3.7 for planned (Figure 14 A Rot ). Two h indi vin idufi al ve retiret rem irees ent ac who count ret or IRA ired early Int sa ey t rest he ey ddid s16% o 58% of workers 78% of workers Libraries or A hea A hea comlth lth munev ev ity c ent ent ente tha tha rs t t wo would uld pre prev vent y ent yo ou u f fro rom wo m wor rki king ng* * Libraries or community centers 19% 11% 23% 35% 42% ? 46% 65% ? 3% 28% 7% 25% 3% ability to save for/live in retirement)* 33% incentivized you to take 16% an ea 32% rly retirement 27% 34% Over four in five wor 24%ker Edward s are interest Jo ed ne in s purchasing a guaranteed monthly Pro income tect ive 18% 27% 24% 26% 73% 35% a wor lso ker pla s nn (48 ing %) for belt iev hee ne (vt s.echn 49 xt % gene in 2ol 025ogy/ ) ration, AI wi as ll o he vler p ma six ina n 10 ge ret the irees ir fina are nces confi in dent the fut ure. On (23% vs. 24% in f 2ind 025) their overall 17% providing 30% future benefits is down from 2025, while 14% 22% 22% 22% 25% ? 21% 23% 24% 16% 21% 21% 21% 26% (vs. 7% in 2025) 28% of retirees caregiver workers, and ± 5.6 for caregiver retirees in a similarly sized random sample. 22% be Rob cause o-a13% dvic29% e or the othe y r onlin had a e adv hea ice based lth on 31% probl(em vs. 21 o % inr di 2025 s)ability. Overall, three Nonp irn ofitfour or re (v lig s.iou 33s or % in g 2 a0 n2 izat 3) ions (vs. t h 55 at% foc in u 20 s 2 on 3) 27% 20% 20% 15% 68% 29% ? 71% of retirees 69% of ret 15% 15%irees Against this backdrop, unders 12% tanding 19% where Americans expect to rely on income in 58% 37% Because of changes in the skills 23%required ? for your job or your skills no 18% 19% ? prod 18% uct Hom with e ret equiireme ty, real nt sav estate, or ing prs op (Fi ergure ty for rental 18). inc Nea ome rly as many find purchasing annuit 18% ies Part tim expend e it 18% ure in 17% 6% 17% 20% 2% 17% 11% 13% t the he y ot wi he ll ha r ha ve nd, en ar ough ound mon four ey t in 10 o l r ea etv irees e an i cinh te eri a fi ta na nce. nci al advisor as their most used formulas or algo17% rithms ser 16% ving a specific group* 34% workers’ share remains the same (Figures 5–6). Fewer 33% 61% bel57% ieve technology or 18% 12% 34% 16% 12% 21% 10% 11% 16% 34% 16% ? 15% 15% 15% 15% are c15% onfident they will are concerned the U.S. retirees 14% indicate t14% he reason was something out of their control, includ 14% ing 11% 14% $1,000 to $24,999 H Ha av ving ing t to o pro prov vid ide e c ca are fo re for a lo r a lov ved ed one who one who 14% longer m has has atc a ahing job he hea alth lth c c requirements o ond nditio ition n o or r 14% 13% Empower 13% Pruden 13% tial 13% / PGIret M irement higher tha 13% n 8% N ret onpireme rofit or rent ligiou be s orcomes ganizations tev hat fen ocu smore on critical. Social Security remains Robt o-a he dv t icop s e or otour her on ce o line adf vice based on 13% 13% 13% 29% 36% 12% 8% over time in a target-date fund appealing, and two-thirds of workers are interested in AI will help manage 12% 12% 44% 12% 9% 9% 11% source for retirement planning. While this remains their top source of financial advice, 33% 10% 14% 22% ? 30% 39% ? 44% ?61% ? 57% 10% retirees believe that Medicare 8% wi 6% ll continue8% to Frp equent rovide job changes have made it 8% have eno 1% ugh 6% money government will make 4% A produc 10% t that guarantees monthly income for life* 6% serving a specific group* formulas or algorithms 7% 7% 7% 7% 7% 8% 7% 7% 7% d dis isa ability bility 9% * * 9% 9% Both full and part time having 7% a health problem or disability as well as cha 7% nges at their expected. 5% 36% (vs. 36% in 2023 5% ) 6% 6% 6% 6% 6% 8% 6% 6% finances in the future 6% 40% 24%16% 5%12% 16% income for nine in 10 retirees and the top expected source for workers, followed 2% 5% 5% 5%5% 5% 5% 5% 5% 5% 27% 5% 5% 5% 5% 5% a Social Security “bridge annuity” that would provide income until age 70 and to keep up with significant changes to 6% 26% YouY s o pend u did no lesst wa than nt to perha retu ps rn yto ou the o could ffice/ bec nee ause ded yo mo u d aif re wo re re ficult mo rried fote work* r y o au bo to ut s (a vs.v 9 e % fio n r 20 retirement# 23) (vs. 52% in 2023) its us4% e is significantly down from 45% in 2025. 9% (vs. 29% in 2023) 4% benefits equal to those received by retirees today than 22% 22% ? 3% 3% 3% Other 3% 3% Other 20% 47% 20% 19% Fidelity Inv 2% estments 19% T. Rowe Price 4% 19% workplace (Figure 17% 15). 16% 32%48% 17% Workers Retirees 19% 16%2% 33% inflation and cost of 16% the American Financial s15% up 15% por ? t from family or friends* N/A closely by workplace retirement savings plans (Figure 12). 21% running out of money maximize Social Security benefits. 21% Seasonally 39% Employee Benefit Research Institute Greenwald Research 9% 8% last year. Worker confidence in future Medicare benefits 7% (exp6% ected) (actual) living in retirement. retirement system. $25,000 or more T The he g gro rowi wing ng role role o of f tec tec None hno hno of th lo lo eg g sey y/AI /AI wi will c ll ca ause use yo you u to to c cha hang nge jobs* e jobs** * None of these 20% 13% 25% 33% 53% (vs. 19% in 2025) 14% 12% 23% ? 901 D Street SW, Suite 802 4201 Connecticut Ave. NW, Suite 620 You had another work-related reason 5% 44% 15% Less than 55 55 to 59 60 to 61 62 to 64 65 66 to 69 70 or older Will never retire Disability insurance income, not through Social Security FINRA Foundation Voya Financial remains low (Figures 7–8). FFirirst st year year 26% 15% ? 2021 2022 2023 2024 Washington 20 , DC 2520024 2026 2021 Was2 h0 ing 22 ton, DC 2000 20 823 2024 2025 2026 19932 20 02 24 4 1995 12 2 90 0 92 2 75 5 1999 2 20 02 2 26 6 001 2003 2005 2 20 02 2 20 4 407 200 2 29 0 02 25 5 2011 2 22 0 00 2 21 6 63 2015 2017 2 2 20 0 02 2 14 4 9 2 No 0212 20 02 25 5 2023 2 20 20 02 26 26 5 2026 Interestingly, over half of workers say they expect a guaranteed income product to 19 19 19 19 19 1993 93 93 93 93 97 1 1 1 1 19 9 9 9 9 19 9 9 9 9 95 5 5 5 5 99 1 1 1 1 19 9 9 9 99 9 9 9 9 27 7 7 7 7 001 1 1 1 1 19 9 9 9 99 9 9 9 99 9 9 9 9 20032 2 2 2 20 0 0 0 00 0 0 0 01 1 1 1 12005 2 2 2 2 20 0 0 0 00 0 0 0 03 3 3 3 3 200 2 2 2 2 27 0 0 0 0 00 0 0 0 05 5 5 5 5 20 20 20 20 20 20 09 07 07 07 07 07 2 2 2 2 2 20 0 0 0 0 01 0 0 0 0 01 9 9 9 9 9 2 2 2 2 2 20 0 0 0 0 01 1 1 1 1 11 1 1 1 1 3 2 2 2 2 20 0 0 0 0 21 1 1 1 1 03 3 3 3 3 15 2 2 2 2 20 0 0 0 01 1 1 1 1 25 5 5 5 5 017 2 2 2 2 20 0 0 0 01 1 1 1 17 7 7 7 7 20192 2 2 2 20 0 0 0 01 1 1 1 19 9 9 9 92021 2 2 2 2 20 0 0 0 02 2 2 2 21 1 1 1 1 202 2 2 2 2 23 0 0 0 0 02 2 2 2 23 3 3 3 3 20 2 2 2 2 22 0 0 0 0 05 2 2 2 2 25 5 5 5 5 2 2 2 2 2 20 0 0 0 0 02 2 2 2 2 26 6 6 6 6 6 (vs. 11% in 2025) 69% a ask ske ed d Phone: (202) 659-0670 Phone: (202) 686-0300 Net: Excellent/ Net: Excellent/ be a source of income in retirement. However, a significantly smaller share of retirees, 49% 46% 44% 52% 47% 37% ? ? 60% 52% 61% 49% 57% 45% 61% 43% 42% 52% 45% 36% ? ? V V ery ery Good Good *Truncated items *T *as *N Fi *as g ru ou k k t n re e e a c d d s s a k ii te n n a e n d d 2 2d 0 0 ip te 2 2 n re 3 3 -m s v is iz oe us s lp yresen** ** teNot Not d ex a a cs s lu k kd e ee d d th p pre re os v ve iio o w u us s hllo y y a nswered ‘Don’t know’, said they never worked, or refused to answer Pl #Not a eabout s p ere nv oite ou p se one lyrc ae sn kta ed - g t ehi s inrd the ov follow eral ing tal b,l eisndi and c cat harts e maiyt n ios t to a ta s l to our 100 ce o due to rof i unncome ding and/or m ( isFi singure g categori12 es. ) An . y trend changes or differences in subgroups noted in text are statistically significant; if *Truncated item ?=Significantly higher than previous year, ?=significantly lower than previous year ? ? ? ? ? ? ? ? n ? ? ? ? ? ? ? ? ?o =Si =Si =Si =Si =Si =Si =Si =Si =Si =Si =Si =Si =Si =Si =Si =Si =Si tre g g g g g g g g g g g g g g g g gn n n n n n n n n n n n n n n n n nd iiiiiiiiiiiiiiiiifi fi fi fi fi fi fi fi fi fi fi fi fi fi fi fi fi c c c c c c c c c c c c c c c c c ca a a a a a a a a a a a a a a a a hn n n n n n n n n n n n n n n n n atttttttttttttttttn llllllllllllllllly y y y y y y y y y y y y y y y y g e h h h h h h h h h h h h h h h h hs iiiiiiiiiiiiiiiiig g g g g g g g g g g g g g g g g a h h h h h h h h h h h h h h h h hre e e e e e e e e e e e e e e e e er r r r r r r r r r r r r r r r r n th th th th th th th th th th th th th th th th th oa a a a a a a a a a a a a a a a a te n n n n n n n n n n n n n n n n nd p p p p p p p p p p p p p p p p p , re re re re re re re re re re re re re re re re re thv v v v v v v v v v v v v v v v v eiiiiiiiiiiiiiiiiire o o o o o o o o o o o o o o o o ou u u u u u u u u u u u u u u u u w s s s s s s s s s s s s s s s s s e y y y y y y y y y y y y y y y y yre e e e e e e e e e e e e e e e e ea a a a a a a a a a a a a a a a a n r, r, r, r, r, r, r, r, r, r, r, r, r, r, r, r, r, o ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? s =s =s =s =s =s =s =s =s =s =s =s =s =s =s =s =s =s igiiiiiiiiiiiiiiiiin g g g g g g g g g g g g g g g g gin n n n n n n n n n n n n n n n n fiiiiiiiiiiiiiiiiiic fffffffffffffffffiiiiiiiiiiiiiiiiia c c c c c c c c c c c c c c c c cn a a a a a a a a a a a a a a a a at n n n n n n n n n n n n n n n n nd tl tl tl tl tl tl tl tl tl tl tl tl tl tl tl tl tliy y y y y y y y y y y y y y y y y ff e lllllllllllllllllo o o o o o o o o o o o o o o o ore w w w w w w w w w w w w w w w w wn e e e e e e e e e e e e e e e e ec r t r t r t r t r t r t r t r t r t r t r t r t r t r t r t r t r t eh h h h h h h h h h h h h h h h h sa a a a a a a a a a a a a a a a a . n n n n n n n n n n n n n n n n n p p p p p p p p p p p p p p p p pre re re re re re re re re re re re re re re re rev v v v v v v v v v v v v v v v viiiiiiiiiiiiiiiiio o o o o o o o o o o o o o o o ou u u u u u u u u u u u u u u u us s s s s s s s s s s s s s s s s y y y y y y y y y y y y y y y y ye e e e e e e e e e e e e e e e ea a a a a a a a a a a a a a a a ar r r r r r r r r r r r r r r r r 15 27 24 18 22 13 10 25 11 14 21 28 21 11 10 14 12 19 17 26 28 23 15 27 20 18 24 26 17 25 16 19 22 13 23 12 20 16 4 8 4 8 3 6 2 9 7 2 7 5 5 1 9 6 3 ?=Significantly higher than previous year, ?=significantly lower than previous year 1998 2008 2018 2021 2023 2024 2025 2026