2025年,美国退休账户余额创下了记录,但6%的工人由于财政紧张而退出了艰苦条件项目。 In 2025, U.S. retirement account balances hit records, but 6% of workers made hardship withdrawals due to financial strain.

2025年,美国退休账户余额创历史新高,401(k)亿富翁达到665 000人,平均余额在强劲的市场和稳定的储蓄率驱动下大幅上升。 In 2025, U.S. retirement account balances hit record highs, with 401(k) millionaires reaching 665,000 and average balances rising significantly, driven by strong markets and steady savings rates. 尽管如此,由于工人将退休基金用于医疗费用和住房等紧急情况,因此退出艰苦条件的人数从2024年的4.8%猛增至6%,反映出财政压力日益增大。 Despite this, hardship withdrawals surged to 6% of participants—up from 4.8% in 2024—reflecting growing financial strain, as workers use retirement funds for emergencies like medical costs and housing. 许多人缺乏紧急储蓄,而包括通货膨胀和学生债务在内的经济压力继续阻碍长期规划。 Many lack emergency savings, and economic pressures, including inflation and student debt, continue to hinder long-term planning. 虽然自动化和政策变革改善了获得服务的机会和贡献,特别是在青年工人中,但普遍的财政焦虑依然存在,大多数美国人推迟退休,并难以确保长期稳定。 While automation and policy changes have improved access and contributions, especially among younger workers, widespread financial anxiety persists, with most Americans delaying retirement and struggling to secure long-term stability.