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Americans' Savings Decline; Gen Z Increases Contributions

4/1/2026

28 6 Full Breakdown

Summary

Story summary

The Dayforce report shows Americans saved 8.9% in 2025, down from 9.2% in 2024, the first decline in three years.
Twenty-six percent of Americans reduced retirement contributions.
Nearly 20% took loans from their 401(k) plans, the highest rate on record.
Gen Z is the only generation to increase its savings rate, rising to 6.2% in 2025.
Financial pressures among middle-income earners raise concerns about long-term retirement preparedness.

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Story summary

The Dayforce report shows Americans saved 8.9% in 2025, down from 9.2% in 2024, the first decline in three years.
Twenty-six percent of Americans reduced retirement contributions.
Nearly 20% took loans from their 401(k) plans, the highest rate on record.
Gen Z is the only generation to increase its savings rate, rising to 6.2% in 2025.
Financial pressures among middle-income earners raise concerns about long-term retirement preparedness.