The findings, based on a survey of over 2,000 Americans, reveal a disconnect between long-term optimism and immediate financial strain. While a majority feel prepared to hit their target retirement dates, nearly two-thirds admit they are prioritizing current financial obligations over long-term savings. High costs and stagnant earnings are the primary hurdles, leaving more than one-third of respondents feeling they are lagging behind their peers.
American Retirement Confidence Clashes With Economic Reality
Nearly 60% of Americans believe they will leave their primary careers on schedule, yet a parallel sense of skepticism prevails. According to the 2026 Thrivent Retirement Expectations Survey, 47% of non-retirees doubt they will ever achieve full retirement, as rising living costs and artificial intelligence alter the traditional path.
Technological anxiety is also reshaping expectations. Younger generations, specifically Gen Z and Millennials, are increasingly worried that artificial intelligence will diminish job security and negatively impact their future. This sentiment is shared by current retirees, who report that external pressures—such as inflation, political instability, and global economic conditions—are having a greater impact on their financial security than they did just one year ago. For many, retirement is no longer viewed as a definitive end to work, but rather a transition period where supplemental income remains a necessity.
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