高盛：2025年度美国退休调查与洞察报告：退休新经济学（英文版）

Structural shifts in household finances have reshaped how savers must prepare for retirement. Competing priorities—housing, healthcare, debt service, and care giving—are among the needs consuming a larger share of income, creating a Financial Vortex. As this year marks our 5th survey edition, we can see how despite these headwinds, market and economic gains are driving optimism of retirement savers. Importantly, confidence is uneven and may be fragile for those who have not yet fully encounte