Failing to Plan Is Planning to Fail
See how big America’s retirement savings gap is, and how the age you start saving can decide whether your savings last through retirement.
Start sooner
In this example, starting at 35 instead of 52 means $122,400 more set aside and $486,819 more in your account by age 67, at an assumed 6% a year.
Make it last
Drawing $30,000 a year, rising 3% a year, your savings last past age 95 if you start at 35. If you wait until 52, they run out at 73.
Plan around Social Security
The Social Security retirement trust fund is projected to be depleted in 2032. After that, about 78% of scheduled benefits would be payable unless Congress acts.
Want to see where your own plan stands?
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Hypothetical illustration for educational purposes only. Not a projection or guarantee. Assumes a level 6% annual return while saving and 5% in retirement, with withdrawals rising 3% a year. Actual returns vary and can be negative. No fees, taxes or Social Security income are shown. Sources: Federal Reserve, Economic Well-Being of U.S. Households in 2025 (May 2026); Federal Reserve, 2022 Survey of Consumer Finances; 2026 Social Security Trustees Report. Browning Insurance Agency LLC, Colorado agency license #615914.
