Should You Stop Saving for Retirement?

Some people have amassed nest eggs that are big enough to support them in the future, assuming they grow over time.

Any article about retirement is likely to urge you to save more for retirement -- or at least to have you thinking you should be saving and investing more.

But some people might be better advised to stop saving for retirement. Here's a look at Americans' retirement readiness and at whether you might be able to stop saving.

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There are lots of data points showing that Americans are generally woefully unprepared for retirement. For example, check out these numbers from the 2026 Retirement Confidence Survey:

Data source: 2026 Retirement Confidence Survey. *excluding the value of a primary home

The folks at Fidelity have found that 55% of Americans (and 81% of baby boomers) are in danger of not being able to fully cover estimated essential expenses in retirement, such as housing, healthcare, and food.

Many, if not most, Americans should be saving and investing much more -- aiming to amass a nest egg that can support them in retirement .