Retirement Stress Test: Handling Uncertainty

Between rising prices, underspending in retirement, Social Security uncertainty, and a trillion-dollar demographic shift, the financial future is looking more complex — and more important to understand — than ever.

But complexity doesn’t have to mean confusion. The more you know about how older Americans are spending (and not spending), the more clearly you may see your own opportunities and risks.

Here are five headlines worth your attention this week.

Need a sounding board? Take our free 2-minute quiz and get matched with an advisor who can help map out your next move.

—The Money Pickle Team

Some Retirees Aren’t Spending Enough

Retirees aren’t actually spending their savings — at least, not the majority of them. A new study found that retirees spend about 80% of their guaranteed income (from Social Security, pensions, or annuities), but only around 2% of their retirement savings.

Even with enough in the bank, many people hesitate to spend down assets. Behavioral habits and fear of outliving savings seem to play a role, but the result may be under-consumption and missed opportunities for enjoyment in retirement.

👉 Read more

Inflation Keeps Retirees Up at Night

Over 90% of retirees say inflation is eating away at their nest eggs, and more than a third fear financial stress hurts their health. Many report spending 15% of monthly income on healthcare alone, according to a study by Schroders.

But here’s the kicker: nearly half still don’t have a plan to manage their income, spending, and investments in retirement.

👉 Read more

Social Security Could Run Out in Eight Years

The Social Security trust fund may run dry by 2033, according to new CBO estimates. However, Commissioner Frank Bisignano publicly assured retirees that lawmakers are “committed” to fixing it.

Even as job cuts and field office closures raise concerns, the administration is leaning on technology and outreach to keep benefits flowing.

👉 Read more

Aging Intelligence, Not Artificial Intelligence

Forget tech fads — aging Americans could be the next big investment opportunity. Spending by Americans over 75 is projected to rise by $1.3 trillion over the next five years, according to Mizuho.

From healthcare to insurance to consumer goods, seniors are expected to shape markets for the next decade.

👉 Read more

This Fund No-Fad Fund Still Owns AI

Alan Berro of the American Funds Washington Mutual Fund doesn’t chase the market. His team focuses on companies with consistent dividends and strong fundamentals, including some well-timed AI investments like Broadcom.

For retirees who want stability with potential upside, the fund’s performance through volatile markets may offer food for thought.

👉 Read more

🥒 Pickle Tip:

Sometimes, the biggest financial challenge in retirement isn’t saving — it’s spending. Framing savings as income may help you use your money with more confidence.

🌟 Final Thought

If these headlines had you nodding (or stressing), you’re not alone. A quick check-in with an advisor in the Money Pickle network might help you go from uncertainty to strategy.

5 Minutes to Potentially Save Thousands of Dollars? Sign Me Up

Without a smart wealth strategy, gains can disappear faster than they grow. That’s why we’ve made it simple to connect with a trusted, vetted advisor who can help you:

• ✅ Protect your profits from taxes and market swings

• ✅ Build long-term wealth without the guesswork

• ✅ Hit your financial goals faster with a tailored plan

It only takes 5 minutes to get matched — and it’s completely free to use Money Pickle to connect and speak with vetted financial advisors.

Make sure your wins today fuel your future success.