Who has retirement accounts?

Only half of American workers have retirement accounts at their current jobs

Most American retirement accounts are not nearly funded enough to support people living longer, healthier lives. Get the details on five individuals at different stages of life and hear how they’ve saved—or not—while expert Theresa Ghilarducci explains the current weaknesses of the retirement regime in America.

Researchers, experts, and retirees are finding that the 401(k) has left much to be desired

Baby Boomers, once the biggest generation, are now creating the largest wave of retirees in US history. Much of this generation is also the first to retire predominantly on the expectation that their 401(k) plans or similar tax-advantaged accounts performed well in the markets—which isn’t always the case.

If your job doesn’t offer a 401(k), you still have retirement savings options

Do you know more than a third of working adults aren't offered a 401(k) through their jobs? If you're part of that group, you still have options for retirement savings, including IRAs, taxable investment accounts, and more.

Americans ages 30 to 34 have $44,800 in their 401(k) accounts on average

Americans ages 28 to 44 save about 13.5% of their pretax income on average, which is close to the recommended retirement savings rate of 15%.

A work-free retirement is a relatively recent development in human history

Though it looks different in other countries, economic historians trace retirement's rise in the US to a growth in personal income through pensions, GDP, and Social Security.

Americans are retiring later than they used to

A Gallup poll from 2022 found that the percentage of adults between the ages of 55 and 74 who are retired is declining.

US pension plan adoption has declined from 1975 to 2021

Pension plans are a form of guaranteed retirement plan for long-time workers, and they were a major part of industries in the mid-20th century. With the rise of the 401(k) and similar tax-advantaged, defined-contribution accounts, these so-called defined-benefit plans have declined in use by employers. Compare US adoption of both kinds in this table.

A basic guide to retirement savings account options, the IRA and the 401(k)

The two main types of accounts are 401(k) plans and individual retirement accounts (IRAs)—but what do those mean, exactly? There are differences between the two types, as well as the subtypes beneath them.

The average retirement age by country, visualized

In the US, the average retirement age was 64 as of 2020. The Organization for Economic Co-operation and Development projects a two-year increase in the average retirement age by the mid-2060s.

Renting versus owning a home, charted by age

One-third of American households are rented. The other two-thirds are owned or in the process of becoming owned, according to 2022 data from the American Community Survey. While most people rent in their younger years, homeownership rates tend to fluctuate based on age. To see home ownership and renter rates charted by age, check out these charts.

Annuity owners are mainly middle-class people looking to supplement their savings

Gallup surveyed people who own annuities and found that annuity owners skew older and that the overwhelming majority bought the contracts to guarantee income during their retirement years. The annuity owners also said the contracts provide them with peace of mind.

How much money you need to retire in each state

The average American thinks they'll need at least $1.46M to retire comfortably, according to a new study. But the actual floor for a comfortable retirement varies by state. In West Virginia, for instance, the study suggests that retirees only need to have about $712,921 saved for retirement.

Why young women experience the most workplace ageism

While one might assume that older women face the most unfair treatment due to age in the workplace, some research from McKinsey & Co. suggests otherwise. The consulting firm found that while ageism impacts older women and men at similar rates, women in their 20s and 30s report much higher instances of ageism than both older women and their young, male colleagues. Learn more from the research here.

Only 3% of workers 18 and older had a 25+ year tenure at their current job as of 2024

Surprisingly, this statistic hasn't changed significantly between 1996 and 2024, despite news about job hopping becoming more common in recent years.

It has historically been tough for minorities to rise through the ranks in investment banking

According to a Barron’s article, only about 1.3% of the $69T asset management business is managed by firms led by women or minorities—even if their performance is comparable to those led by white men.

Should you give up a car in retirement?

Did you know that drivers over the age of 74 tend to pay higher car insurance rates than most other age groups? That small fortune in auto insurance payments is just one reason some people give up a car when they retire. If you're curious about the pros of getting rid of your car when you retire, read this article.

Visualizing how American men and women spend every hour of the day, by decade of life

Drawing on three years of Census time-use data, the tool tracks 12 activities—sleep, work, housework, caregiving, TV, and more—across age groups from the 20s through 70s. One persistent gap: women spend 45 more minutes per day on housework than men on average.

Each generation’s median income

Discover data about each generation’s income in the US. Generation X currently holds the title of highest earners, with notable wealth for those living in Maryland. Find out which groups tend to succeed and why, while seeing where you stand in comparison.

What is the 240 paychecks retirement rule?

Many people think about the large sum of money they'll require to retire comfortably. It can be intimidating. The 240 retirement method breaks that thinking down into paychecks. Specifically, the framework argues that the average retiree will need 240 paychecks to retire. Learn more here.

A summary of the 2020 census

This summary of the 2020 census shows an aging America and wide racial gaps between generations. The information provides the national and geographic composition of the nation’s age and racial-ethnic makeup. New statistics for 2020 show that the...

The average household checking account balance is $16K, while the median is $2.8K

Average household checking account balances have doubled since 1989. Older, white, educated, and male customers tend to have larger balances on average, according to the data. See further data visuals here.

40% of Americans polled by Pew Research Center felt pessimistic about marriage

Black and Asian respondents reported more pessimism about marriage than white or Hispanic respondents. Over half of Republicans feel negatively about the future of marriage, while only 25% of Democrats felt the same.

Social Security supports retirees, the disabled, and survivors

The Social Security Administration is responsible for more than just retirement benefits. Outside of the more well-known use case of retirement benefits, the SSA is also responsible for disability, family, and survivor benefits, supplemental security income, and more.

Should companies be owned by their workers?

In the last half-century, so-called private equity has transformed industries by purchasing private companies, cutting costs, loading up debt, and then selling the business at a premium—all at a huge profit to the investors. Workers, on the other hand, are often left with nothing. Listen to how both pro-worker economists and a private equity stalwart are trying to shift ownership to workers—a growing tactic proven to improve worker satisfaction and company value.

Look inside a retail investor's portfolio

Online investing platform eToro conducted a survey of retail investors in June 2024. It explored what assets they held and what types of stocks they liked to purchase. The most commonly held asset was cash, with 76% of retail investors holding cash in their portfolios. The next most popular asset was domestic stocks, with 49% of investors.

US housing costs have risen by roughly 175% between 1991 and 2026—but a growing number of Gen Zers are becoming homeowners anyway. In 2025, 4% of homebuyers were Gen Z, up from 3% the year before.

Calculate how much of your tax dollars go to each federal program based on your income, filing status, and number of children

Explore an interactive map built from more than 100,000 survey responses on where people find joy in their lives

US consumers collectively owe more than $1T to credit card companies—almost as much as they owe in auto loans.

44% of Americans say they pray at least once a day—discover how your state's religiosity stacks up against the rest of the country.

Despite being favored by 87% of Americans, Congress does not have term limits.

Dozens of S&P 500 stocks, including Coca-Cola and Walmart—known as the dividend aristocrats—have increased dividends every year for 25 years

While the first exchange-traded fund (a 'basket' of different assets that can be bought and sold on a stock exchange) in the US only launched in 1993, the global ETF market has grown to more than $10T in the short time since.

20,000 letters to the advice columnist 'Dear Abby' provide insight into prevailing sex, religion, and LGBTQ fears, anxieties, and concerns from the 1950s onward.

In 2025, four executives from large tech companies were given positions in the US Army Reserves—including Palantir Chief Technology Officer Shyam Sankar, which reinforced Palantir's ties with the US military and its role as a leading defense partner.

Children are now three times more likely to say they want to be a YouTuber when they grow up than an astronaut, with some even attending 'YouTube camps' that teach kids how to create content for the platform.

The first line of 'immortal' human cells, which can divide indefinitely and are used in scientific research, was nonconsensually taken from a Black woman.

See a ranking of the best (and worst) Federal Reserve Chairs since 1914 out of the 16 men and women who have held the office since.

Researchers believe the brain consolidates memories, processes emotions, and plans for the future during dream states

In 1939, baseball star Lou Gehrig delivered his inspirational 'Luckiest Man' speech after retiring due to the health condition that now bears his name.

Warren Buffett's former professor Benjamin Graham is known as the 'father of value investing,' a strategy in which investors seek to buy stocks trading below their intrinsic worth.

The American cockroach is actually from Africa, an apparent hitchhiker aboard ships carrying enslaved people, with evidence suggesting the bug may have arrived in the New World as early as the 1600s.

Play the role of a student in a game where you try to navigate college and remain debt-free, selecting different income levels, high school experience, race, ethnicity, and more.

The identity of the Tank Man in the iconic photo from the 1989 Tiananmen Square protests remains unknown and was possibly killed.

Electrical grids worldwide must double their power delivery capacity by 2050 to meet surging demand from AI and electric vehicles.

Legendary architect Frank Lloyd Wright designed the SC Johnson headquarters in Wisconsin, aiming to make a cathedral-like workplace

See how Budweiser's famous Clydesdales spend their days at Warm Springs Ranch, where roughly 70 to 80 of the beer brand's giant horses can be found at any given time.

Art theft is the third-largest source of criminal revenues worldwide, thanks in part to the subjective nature of valuing a work of art.

Most of the observable universe's volume consists of voids and supervoids—enormous regions of space with little to no galaxies, stars, or light.

Apollo astronauts left items in the moon's 'toss zone,' including golf balls, family photos, and bags of human waste, to make room for lunar rocks.