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AI Is Creating a New Worry for Americans Saving for Retirement

KoYe KoYe
Published on 2026-10-02 21:55:00
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AI Is Creating a New Worry for Americans Saving for Retirement

Key Takeaways

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One-third of Americans fear AI could disrupt careers or reduce earnings before retirement, with Gen Z being the most worried.

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The cost of living, healthcare, and housing are viewed as the biggest threats to retirement plans.

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TIAA says workers facing income risk should protect employer-matched retirement contributions first.

Artificial intelligence is reshaping the workplace and, according to a new survey from the TIAA, adding another layer to Americans' retirement worries. Many fear the technology could take their job or cut their pay, limiting how much they're able to save for retirement while rising living costs are already squeezing household budgets.

Here's what the survey found, and what one expert says workers can do now if they're worried their income could be disrupted.

1 in 3 Americans Worry AI Could Hurt Their Earnings Before Retirement

One-third of the 1,000 Americans ages 18 to 65 surveyed by TIAA said they are extremely or very concerned that AI will disrupt their career or reduce their earning potential before they can retire comfortably. For workers still building their savings, a job loss or pay cut can mean smaller contributions to a 401(k) or o...

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