The Employee Benefit Research Institute's 2026 Retirement Confidence Survey captured the pressures U.S. workers are facing: Nearly 60% said that debt affects their ability to save for retirement, similar to the percentages that said housing and health care costs were also posing problems. What You Need to Know A mortgage, your kid's braces, helping aging parents, rising grocery prices and other financial pressures. It's no mystery why 39% of U.S. households headed by someone in their 40s don't have a retire ...