Nearly 90% of working-age Americans are concerned about how they’ll generate income in retirement — and more than half worry about outliving their savings.

That’s according to the 2025 U.S. Retirement Survey by Schroders, a London-based multinational asset manager. The report, released Tuesday, found that 87% of Americans who’ve yet to retire expressed at least some concern about not knowing how to produce income in retirement. And 53% said they were “concerned” or “very concerned” about exhausting their assets.

Coinciding with these worries, 44% of respondents plan to claim Social Security benefits before age 67, and only 10% details ⇒

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