With more Americans living paycheck to paycheck, retirement security may be slipping further out of reach.

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According to the 2025 Goldman Sachs “ New Economics of Retirement ” report, 42% of Gen Z, millennials, and Gen X said they’re already living paycheck to paycheck.

The trend is expected to get worse. By 2033, Goldman said 55% of workers will be living paycheck to paycheck, with the number going up to 65% by 2043.

“You can see how costs like child care, costs like going to college, costs, you know, of hous

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