05/26/2026
New data shows that some Americans are contributing less to retirement accounts, reflecting ongoing financial pressures. On average, contribution rates fell slightly, with full-time workers setting aside 8.9% of income, down from 9.2% the previous year. At the same time, about 1 in 4 workers reduced their savings, and nearly 20% took loans from their accounts. These changes may be tied to rising everyday expenses, as some households adjust to manage short-term needs. While the shift is relatively modest, consistent contributions over time can play an important role in long-term outcomes — making even small changes worth paying attention to. Trends like these highlight how broader economic conditions can influence saving behaviors across different income levels.
Source: https://www.cbsnews.com/news/retirement-savings-contribution-cut-warning-sign-dayforce-study/
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Full-time employees cut their 401(k) participation and contribution rates last year amid an affordability crunch, new research shows.
