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Gen Xers Approaching Retirement More Anxious Than Boomers
New survey finds Generation X more worried about finances and healthcare costs in retirement.
Apr. 1, 2026 at 12:52pm
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A new survey from a leading financial services firm has found that Gen Xers, those born between 1965 and 1980, are more anxious about their retirement prospects compared to Baby Boomers. The survey of over 5,000 Americans nearing retirement age revealed that Gen Xers are more concerned about having enough savings, healthcare costs, and maintaining their standard of living in retirement.
Why it matters
As the first Gen Xers reach retirement age, this data provides important insights into the financial readiness and mindset of this generation compared to the preceding Baby Boomer cohort. The findings suggest Gen Xers may face greater challenges in transitioning to a secure retirement, which could have broader economic implications.
The details
The survey found that 68% of Gen Xers expressed anxiety about having enough money saved for retirement, compared to only 52% of Boomers. Additionally, 72% of Gen Xers were worried about rising healthcare costs in retirement, versus 58% of Boomers. Over half of Gen Xers (54%) also said they were concerned about maintaining their current standard of living, compared to 41% of Boomers.
- The survey was conducted in March 2026.
The players
Gen Xers
Americans born between 1965 and 1980, who are now approaching retirement age.
Baby Boomers
The generation born between 1946 and 1964, who are currently in or nearing retirement.
What they’re saying
“The findings suggest that Gen Xers face a more challenging retirement landscape compared to their Boomer predecessors, with greater financial anxieties around savings, healthcare, and maintaining their standard of living.”
— Jane Doe, Senior Analyst
What’s next
The financial services firm plans to release additional research and insights on retirement readiness and trends among different generations in the coming months.
The takeaway
As Gen Xers approach retirement, the survey highlights the need for this generation to proactively address their financial concerns and seek guidance to ensure a secure and comfortable retirement, which could have broader implications for the economy and social safety net.
