High-Income Americans Report Rising Financial Strain in Retirement Survey

A 2026 retirement survey of 5,106 Americans found that financial strain remains widespread among high-income households, with respondents earning above $300,000 reporting paycheck-to-paycheck finances at a higher rate than middle-income respondents. Thirty-six percent of respondents earning more than $300,000 said they primarily lived paycheck to paycheck, compared with 23% of those earning between $100,000 and $300,000. Lower-income respondents reported the highest rate of financial strain in the survey. The survey included 3,612 workers and 1,494 retirees ages 45 to 75 and was conducted in July 2026.

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