Americans are reducing their retirement savings. That’s a “warning sign,” experts say.
Americans are sliding backward in preparing for retirement, with employees reducing their annual contributions to their 401(k) accounts last year, according to new research from payroll firm Dayforce. Full-time workers cut their contribution rate in 2025 to 8.9%, from 9.2% a year earlier, while one in four workers reduced their annual savings in their 401(k) …