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Jason Rogoff reports that nearly half of working Americans doubt they will ever be able to fully retire.

Nearly half of working Americans express doubt regarding their ability to achieve full retirement, according to a survey by Thrivent. Jason Rogoff, a financial adviser at Thrivent, noted that retirement is increasingly viewed as a transition rather than a finish line. The survey, which reached over 2,000 adults, revealed that more than half of the workers surveyed fear that inflation, Social Security shortfalls, and the economic threat of AI will negatively impact their retirement plans. Financial pressure remains the primary barrier to early retirement, with the cost of living cited as the top obstacle. While many workers still find the idea of early retirement appealing, 71% believe the Financial Independence, Retire Early (FIRE) movement is not broadly realistic for most people. Experts suggest that small, consistent contributions to retirement accounts like 401(k)s and IRAs can help build long-term wealth. However, many workers remain anxious about their savings, with 51% stating they are either behind or have not yet started saving for retirement.

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