Dec 07, 2021

Question of the Day: What percent of Americans under 65 years old have $0 saved for retirement?

Answer: 26%


  • What income can seniors receive in retirement if they have no savings?
  • What is one huge disadvantage for those who start saving/investing for retirement later in their life?
  • Why is starting to invest for retirement as early as possible beneficial?
  • Will this information influence how you think about saving/investing for retirement? 

Here's the ready-to-go slides for this Question of the Day that you can use in your classroom.


Behind the numbers (Federal Reserve):

"While most non-retired adults had some type of retirement savings, only 36 percent of non-retirees thought their retirement saving was on track. Because retirement saving strategies differ by circumstances and age, survey respondents assessed whether or not they felt that they are on track, but they defined that for themselves. Thirty-six percent of non-retired adults thought their retirement saving was on track, while 45 percent said it was not and the rest were not sure."



Here's an inspiring story (and activity) that demonstrates that it's not how much you save but rather how soon you get started and how consistent you are. It's the story of the $8 million janitor!


Attend NGPF Professional Developments and earn Academy Credits on your own time! Check out NGPF On-Demand modules!

About the Author

Mason Butts

After graduating from UCLA with a Master's in Education, Mason spent 5 years as a science educator in a South Los Angeles public high school. He is committed to supporting the holistic growth of all students and empowering them to live a life of relational, academic, and financial success. Now settled in the Bay Area, Mason enjoys facilitating professional developments and partnering with educators as they prepare students for a bright financial future. When Mason is not building curriculum or planning a training, he can be found cycling, trying new foods, and exploring the outdoors.

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