AARP: How Much You Really Need in Retirement Savings

Are you on track to have $1.5 million in savings?retirement savings

BEFORE you retire?

According to the AARP, you need a nest egg of $1.5 million in retirement savings to retire comfortably. Yet the “average” American only has about $58,000 saved – if they’re lucky.

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There were nearly 80 million people born in the U.S. between 1946 and 1964. They made up nearly a quarter of the U.S. population until just a few years ago, when the millennials began to overtake them.

retirement savings

Boomers, formerly the largest U.S. generation, are facing a crisis.

Every day, 10,00 boomers turn 65 years old. That means if they haven’t already retired, they’re at least thinking about it.

The Wall Street Journal last year studied people between 55 and 70 years found that 40% of them – or 15 million households – don’t have enough savings to get through retirement.

Another study by Vanguard found that the median account size for people over 65 is just $58,035.

The American Association of Retired Persons says you should have at least $1.5 million saved for a comfortable retirement. And it’s possible that level of retirement savings is not even enough.

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A report from Guardian Life Insurance found that boomers are the fastest growing category of student loan debtors. Over half of 54- to 60-year-olds say that student debt is preventing them from reaching their financial goals, and 72% saw their student debts GROW over the past five years.

Why? Education is vital to staying competitive in the workforce. And boomers haven’t just been taking on their debt – they’ve been taking on debt for kids and grandkids.

Health-care costs have also been marching steadily higher, even for those with traditional Medicare.

retirement savings

That graph is more than a year old and costs have only climbed since.

It sounds like a lot of folks were counting on Social Security to see them through their golden years, but that’s not a sure thing either.

The Social Security Administration’s trustees recently found that the Old-Age and Survivors Insurance and the Disability Insurance trust funds will run out of money by 2035.

That’s probably not as dire as it sounds. Once those programs are broke, Social Security will just pay benefits out of the taxes being paid into the system. So, they won’t go away.

But that does mean beneficiaries will see a MASSIVE cut in their monthly checks.

And if you ask anybody who is already depending on Social Security, it’s already hard enough to get by on those checks as it is.

Right now, the average monthly benefit for “all retired workers” receiving Social Security is $1,461, or $17,532 a year. I made more than that from a part-time job when I was in high school.

And those checks are going to get cut?

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Published by Wyatt Investment Research at