More than 60% of surveyed Americans are more worried about running out of money in retirement than they are about dying, according to a 2025 survey from Allianz Life. Younger Americans are saving more than previous generations, yet they remain deeply pessimistic about retirement. As Social Security faces long-term funding issues and employer pensions fade away, many are depending on working longer to make ends meet. But some economists warn that planning to extend careers may not be a reliable solution considering the prevalence of age discrimination and the overall state of the labor market.
Chapters:
0:00 Introduction
1:07 Then vs. now
5:08 Is working longer the solution?
7:36 Retirement for working Americans
Produced by: Charlotte Morabito
Edited by: Nora Rappaport
Animation by: Emily Park, Jason Reginato
Senior Director of Video: Lindsey Jacobson
Additional Footage: Getty Images
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Why You’ll Probably Work Longer Than Your Parents
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