The rules of 1995 won’t save you in 2025
Retirement was supposed to feel like the payoff after decades of work. A time to slow down, breathe, maybe travel a little, spend more time with family, and finally live life on your own terms. But for many Baby Boomers today, the numbers don’t exactly line up with that dream.
If you’ve been looking at your savings, your Social Security statements, or even just the rising prices at the grocery store and thinking, “How on earth am I supposed to make this last?” — you’re not alone.
A new analysis from the Seniorly Resource Center reveals something many Boomers already feel in their gut: in 41 states plus Washington, D.C., older adults are projected to outlive their savings. The average gap? Around $115,000 short of what’s needed.
That’s not a small number. And it’s not just statistics on a chart. It’s real people — retirees who worked for decades, saved diligently, and still may come up short. Women, single retirees, and minority households are at even higher risk.
But here’s the thing: a reality check isn’t a death sentence. If the math looks scary, there are steps you can take to close the gap, stretch your resources, and live well — even in an uncertain financial environment.
Let’s break it down together.
