How America Retires
This year, roughly 4.2 million people will turn age 65.* These individuals, collectively the so-called silver tsunami, are preparing to leave working life behind and enter a fulfilling and rewarding retirement.

This year, roughly 4.2 million people will turn age 65.* These individuals, collectively the so-called silver tsunami, are preparing to leave working life behind and enter a fulfilling and rewarding retirement.
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That’s exactly why we’ve created How America Retires, Vanguard’s new report that spotlights behavioral trends, insights, and plan design best practices to help today’s retirees make the life-changing transition from saving their money to spending it.
*Lisa Camner McKay. Saving for Retirement in America. Federal Reserve Bank of Minneapolis, April 14, 2025.
Source: Vanguard 2025.
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