**Americans Are Pushing Back Retirement — And the Numbers Are Brutal**

Just dropped: Over 1 in 3 Americans (35%) are delaying retirement. Here's what's actually keeping them up at night:

💸 **The Gap That Won't Close**
- Average retirement savings (ages 65-74): $200K
- What experts say you need: $560K+
- The math doesn't math.

🔴 **Top 3 Pain Points**
51% cite insufficient savings, 46% blame inflation, 32% point to the economic environment. Meanwhile, 63% are freaked out about rising costs of living.

📊 **Generational Reality Check**
Millennials & Boomers are most likely to have *any* retirement savings (43%), but check out the actual numbers:
- Ages 20-29: Need $300K → Have $43K saved
- Ages 40-49: Need $500K → Have $73K saved
- Ages 60-69: Already retired folks have around $203K total

That gap keeps getting wider, not smaller.

🛠️ **What People Are Actually Doing**
53% have revised their strategy. 23% are aggressively paying down debt. 16% are just working longer—basically delaying the problem, not solving it.

The kicker? Only 45% even factored healthcare costs into their plans. 92% are worried about market conditions. This isn't pessimism—it's pattern recognition.

Retirement planning just got real complicated.