Visuals: Gen X Retirement — Charts & Infographic
Data sources: Northwestern Mutual (2025), Federal Reserve SCF (2022), Allianz Life (2025), CFP Board (2025)
Gen X Retirement Savings vs. Target “Comfortable” Amount
Chart 1
Target (Gen X average): US$1,570,000. National average (all respondents): ~US$1,260,000 (≈ $310,000 lower).
Annotation: 17% of Gen X say they have saved ~2× their current income (the most common response).
Median Net Worth by Age Group, U.S. Households (2022)
Chart 2
Includes a reference line for median net worth of all households: $192,700.
How Inflation Undermines Gen X’s Retirement Confidence (Allianz Life, 2025)
Chart 3
70% report they cannot contribute as much because of inflation; 81% worry about affording desired retirement lifestyle.
Top 5 Regrets of Gen X About Retirement
Infographic
1. I should have started planning earlier
53%+ of Gen Xers report regretting delaying planning for retirement.
2. I underestimated how much it would cost
Many find their retirement target (e.g. US$1.57M) is far from current savings — a key source of regret.
3. I cashed out or withdrew in downturns
Reactive moves during market declines are commonly cited as costly mistakes.
4. I neglected debt or didn’t reduce it aggressively
Mortgage, credit card, and student loan burdens reduced the ability to save for many Gen Xers.
5. I failed to get professional advice earlier
Only ~37% of Gen Xers are satisfied with their savings — many regret not working with advisers sooner.
Footnote: Data primarily from CFP Board’s Lessons Learned survey of Gen Xers (2025).
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