More Americans are finding themselves trapped in a perpetual financial rainy day, with competing expenses that make it very difficult to get ahead. In its 2025 Retirement Survey & Insights Report, Goldman Sachs found that approximately 40% of Americans report living paycheck to paycheck with no flexibility to put aside savings at the end of the month (1). Must Read People face a firestorm of expenses that keep them from saving for retirement, including debt repayment, educational costs, housing costs, c ...