The Hidden Retirement Spending Crisis

Raleigh News Today | 2 Min News | The Daily News Now! · Jun 28, 2026 · 2m

Most people are brilliant at saving for retirement—stacking trillions in 401(k)s, picking investments, weathering market dips—but utterly unprepared for the real challenge: spending it down. New research from TIAA, Nuveen, and Vanguard reveals only 22% have even thought about withdrawal strategies, and 70% fear running out of money more than enjoying it. Experts warn without a plan, you risk either depleting savings too fast or hoarding cash out of fear. Vanguard’s solution? Focus on sustainable income streams, separate needs from wants, and tweak withdrawal rates—because even a small change…