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Retirees Face $109K Average Savings Gap, NY Worst

6/26/2026

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Story summary
  • A report projects retirees in 41 states and the District of Columbia will outlive their savings, averaging a $109,000 shortfall per 65-year-old.
  • New York retirees face a $471,000 shortfall compared with a $276,000 surplus for Washington retirees.
  • The authors advise factoring long-term care costs into retirement-location decisions, buying long-term care insurance in peak earning years, saving at least 10% of income, avoiding household withdrawals, and delaying Social Security until age 70.