64% of Americans Are More Afraid of Running Out of Money Than They Are of Dying, and the Allianz 2025 Retirement Study Explains Exactly Why

Quick Read

• 64% of Americans fearfulness moving retired of wealth much than decease itself, driven by ostentation astatine 64% interest level, Social Security adequacy concerns astatine 54%, precocious taxes and marketplace downturns astatine 43%, and healthcare costs creating status insecurity.

• Household savings capableness is collapsing—the idiosyncratic savings complaint dropped to 4% successful Q1 2026 from 6.2% successful aboriginal 2024—while the mean status people sits astatine $3.3M with lone 45% knowing however to person savings to income and 47% lacking written fiscal plans.

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The Allianz survey makes the hierarchy of fiscal fearfulness unmistakable. A wide bulk of Americans study that the anticipation of moving retired of wealth outweighs the fearfulness of decease itself, a uncovering captured successful the enactment from the study that says “64% interest much astir moving retired of wealth than decease itself.” When respondents were asked to comparison the 2 outcomes, status presents, the extremity of their savings carried much value than the extremity of their lives.

The sources of that anxiousness are spelled retired successful the data. High ostentation tops the list, with 64% citing rising prices arsenic a operator of their concern. A important share, 54%, interest that Social Security volition not supply capable support.

Several pressures clump unneurotic astatine 43%, including precocious taxes, mundane expenses becoming unaffordable, and the anticipation of a marketplace downturn eroding savings. Healthcare costs and the hazard of outliving assets implicit the picture. The fearfulness is not abstract. It is simply a straightforward arithmetic occupation successful which prices rise, income yet stops, and the spread betwixt the 2 becomes the cardinal menace to status security.

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This infographic illustrates that 64% of Americans fearfulness moving retired of wealth much than dying, detailing cardinal factors specified arsenic inflation, shrinking savings, and a deficiency of planning, alongside projected solutions.

The ostentation information matches the fearfulness

Inflation continues to signifier the fiscal backdrop. The Consumer Price Index reached 330.3 successful March 2026, a 1.1% summation from the anterior period and a speechmaking that sits adjacent the apical of its 12‑month range. The Federal Reserve’s preferred measure, halfway PCE, registered an scale worth of 129.28, and services inflation, which captures healthcare, rent, and idiosyncratic care, has held betwixt 3.3% and 3.6% twelvemonth implicit twelvemonth for months. Those are the categories retirees cannot easy trim, and they are the ones that person remained the astir persistent.