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Retirement Planning: Americans Urged to Budget Beyond Savings

9/28/2025

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Summary

Story summary

Nationwide Financial's survey shows Americans must plan retirement expenses, not just save.
Retirees expect to spend 18% on monthly bills, 16% on housing, and 10% on healthcare, totaling 75%.
Discretionary expenses like entertainment and vacations are projected to consume 20-25% of retirement income.
Rising housing and grocery costs worry many, with women facing anxiety and a 30% earnings gap.

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Story summary

Nationwide Financial's survey shows Americans must plan retirement expenses, not just save.
Retirees expect to spend 18% on monthly bills, 16% on housing, and 10% on healthcare, totaling 75%.
Discretionary expenses like entertainment and vacations are projected to consume 20-25% of retirement income.
Rising housing and grocery costs worry many, with women facing anxiety and a 30% earnings gap.