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Americans Living on Salary to Salary Face Financial Challenges
This is according to the 2025 Goldman Sachs Asset Management Retirement Survey & Insights Report. The authors explain that high expenses, debt, and the usual lifestyle can limit saving opportunities. As incomes rise, people often start viewing previously considered luxuries as necessities, which can lead to reduced pension contributions, interruptions in savings, and postponement of retirement. The main obstacles to pension savings mentioned by respondents were housing expenses and daily needs, with 31%, and debt repayment, with 27%. Nearly 70% of respondents postponed at least one important financial goal, such as creating a reserve, buying a home, or saving for retirement. The 2026 survey included 5,106 Americans who were asked in June: 3,612 employed and 1,494 retired.