In 2026, the people most likely to be living paycheck to paycheck are those earning less than $50,000 or more than $500,000 a year, according to new research from Goldman Sachs.<\/p>\n
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This K-shaped divide has a pronounced impact on their long-term savings at both ends of the income spectrum, the Wall Street giant says.<\/p>\n
Of the 5,106 respondents in Goldman\u2019s \u201cNew Economics of Retirement\u201d study, a little over 60% of those earning less than $50,000 a year were living from one pay slip to the next. That was followed by those in the $500,000 and upwards income bracket, of which approximately 38% said they were living one check to the next.<\/p>\n
A similar result was reported across other personal finance metrics the Goldman Sachs team evaluated. Respondents earning more than $500K were the most likely cohort to report having delayed financial goals (80%), followed by those earning less than $50K at approximately 79%.<\/p>\n
Likewise, both income cohorts were the most likely to pay the minimum or less on their credit cards\u2014at approximately 45% of respondents.<\/p>\n
Lower-income individuals were primarily stretched by inflation on everyday goods and housing, the bank told Fortune<\/em>, while those on higher-income levels (between $100,000 and $500,000) were dealing with issues such as caregiving and housing for family members.<\/p>\n\u201cHigher-income individuals may be the financial anchors for their extended families,\u201d a Goldman Sachs spokesman told Fortune.<\/em> \u201cThe data suggests that the \u2018sandwich generation\u2019 squeeze can be a key factor redirecting financial resources from long-term financial goals.\u201d<\/p>\nFurther data shared by Goldman Sachs illustrates the strain: Respondents earning above $500K were the most likely\u2014at 28%\u2014to cite family caregiving or support among the greatest barriers to their own retirement savings plans. Nearly 27% in the top income cohort also said medical expenses were having a major impact on savings.<\/p>\n
Those earning less than $50,000 said debt payments and housing (36.8% apiece) were obstacles in their retirement savings, though the greatest barrier was day-to-day living expenses, with 42.5% saying it was preventing them from saving as they would like to.<\/p>\n
Lifestyle creep<\/h2>\n
Another factor for high earners is lifestyle creep\u2014the notion that increasingly luxurious household and discretionary spending quickly becomes perceived as a necessity as their income grows. Additionally, Goldman told Fortune<\/em> that if these rising costs require lifestyle adjustments to maintain a more consistent budget, it might be difficult to implement across a family that depends on key financial anchors.<\/p>\nOn a media roundtable ahead of the release of the retirement survey, Jonathan Barber, head of compensation and benefits solutions at Goldman Sachs Ayco, said: \u201cThe reason they\u2019re not contributing potentially to the retirement plan is not because of its indifference. It\u2019s certain expenses are always going to come first \u2026 it\u2019s living expenses, housing costs, things like that.\u201d<\/p>\n
He added: \u201cWhat I think, and these are the conversations we have with our corporate partners all the time: \u2018What are some of those tools that a company can offer? What are some of those benefits that can help establish that initial foundation that gives the employee the confidence to contribute to the retirement plan? How do we help with those initial issues like debt, cash flow, and how do we put in some type of personalization into these benefits? And overall, how do we interconnect them?\u201d<\/p>\n
\u201cAnd certainly we\u2019ll talk about financial counseling. That\u2019s a big part of this.\u201d<\/p>\n<\/div>\n
#Goldman #Sachs #Americans #earning #50k #500k #save #retirement<\/p>\n","protected":false},"excerpt":{"rendered":"
In 2026, the people most likel… <\/p>\n","protected":false},"author":1,"featured_media":5666,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[8752,8751,1322,1666,6517,755,5841,208,5842,86,109,7675],"class_list":["post-5665","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-news","tag-500k","tag-50k","tag-americans","tag-compensation","tag-earning","tag-earnings","tag-goldman","tag-retirement","tag-sachs","tag-save","tag-savings","tag-wages"],"yoast_head":"\n
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