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Retirement planning stress, inflation concerns push many Americans past 70
A 2025 EBRI survey finds 30% of employed workers either expect to retire at 70 or older or do not plan to retire, amid worries about Social Security and market volatility.
Yahoo Finance cites a 2025 survey from the Employee Benefit Research Institute showing that 30% of employed workers expect to retire at age 70 or older, or do not plan to retire at all. The outlet attributes the shift to a mix of inflation, market swings, and Social Security anxiety.
The piece also points to Federal Reserve Survey of Consumer Finances data, saying Americans ages 55 to 64 have a median of about $185,000 saved in retirement accounts. It contrasts that figure with the $1.46 million that many Americans say they would need to retire comfortably.
Yahoo Finance warns that delaying retirement can carry health and tax tradeoffs. It says chronic workplace stress can be linked to conditions such as hypertension, chronic headaches, and higher risk of stroke and heart disease, and notes that required minimum distributions can trigger higher tax bills for people staying in the workforce past age 73.
The article adds that the right retirement timing is not purely financial, urging workers to consider whether they still feel energized by their jobs and to factor in how working longer may reduce time spent enjoying retirement while still relatively healthy.