{"id":1007618,"date":"2026-10-01T15:03:06","date_gmt":"2026-10-01T19:03:06","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/new-prudential-research-reveals-a-rising-retirement-challenge-the-license-to-spend\/"},"modified":"2026-10-01T15:03:06","modified_gmt":"2026-10-01T19:03:06","slug":"new-prudential-research-reveals-a-rising-retirement-challenge-the-license-to-spend","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/new-prudential-research-reveals-a-rising-retirement-challenge-the-license-to-spend\/","title":{"rendered":"New Prudential Research Reveals a Rising Retirement Challenge: the License to Spend"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }\n.bwlistdisc { list-style-type: disc }\n.bwuline { text-decoration: underline }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>New Prudential Research Reveals a Rising Retirement Challenge: the License to Spend<\/b><\/p>\n<p class=\"bwalignc\"><i>Survey points to guaranteed lifetime income and a mindset shift as key solutions to overcome spending struggles<\/i><\/p>\n<p>NEWARK, N.J.&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<br \/>\nA new study released by Prudential Financial, Inc. (<a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Finvestor.prudential.com%2F&amp;esheet=54613721&amp;newsitemid=20261001595855&amp;lan=en-US&amp;anchor=NYSE%3A+PRU&amp;index=1&amp;md5=4d767646dbd8a8549fd0742fcf7b5453\">NYSE: PRU<\/a>), the <b>2026 Retirement Pulse survey<\/b>, shows that many retirees need guidance, clear withdrawal strategies, and guaranteed lifetime income to feel they have a \u201clicense to spend\u201d on things they enjoy.<\/p>\n<p>\nConcerns about saving enough for retirement \u2014 and the fear of running out \u2014 have been widely documented. Prudential\u2019s Retirement Pulse survey reveals a new angle: After a lifetime of being taught to save for retirement, many of today\u2019s retirees resist tapping into their savings when the time actually comes. Eighty-six percent of respondents reported that they don\u2019t feel free to spend their savings on things they enjoy. Even among those with $500K or more in investable assets, 61% still do not feel comfortable spending for enjoyment.<\/p>\n<p><i>\u201cSaving for retirement is a critical foundational need that society has made progress against. However, it\u2019s not enough to help people save for retirement if they\u2019re afraid to spend it once they get there,\u201d says <b>Phil Waldeck, head of U.S. Businesses, Prudential Financial<\/b>. \u201cThe retirement industry has an opportunity to move beyond the focus on accumulating account balances and place a greater emphasis on income. Lifetime income can significantly strengthen retirement security, helping people to spend more confidently and enjoy it.\u201d<\/i><\/p>\n<p>\nFor more than 20 years, Prudential\u2019s Pulse survey series has studied broader economic workplace and retirement trends impacting Americans. The <b>2026 Retirement Pulse survey<\/b> explores the psychology of retirement, identifying the emotional and behavioral drivers of retirement spending confidence and the role guaranteed income can play in helping retirees achieve a more secure and fulfilling retirement.<\/p>\n<p><b><span class=\"bwuline\">The Saver\u2019s Permission Paradox<\/span><\/b><\/p>\n<p>\nThe 2026 survey suggests an identity shift: Lifetime savers must learn to become thoughtful spenders while navigating worries about Social Security, inflation, healthcare costs, market risk, and longevity.<\/p>\n<p><i>\u201cWhat stands out in the research is that spending confidence isn\u2019t simply a function of wealth,\u201d says <b>David Blanchett, head of retirement research, Prudential Financial, and portfolio manager, PGIM<\/b>. \u201cThe industry needs to help grant people a license to spend. The solution lies in planning tools and advice that transform uncertainty into confidence, helping retirees support not only their needs but their dreams in retirement.\u201d<\/i><\/p>\n<ul class=\"bwlistdisc\">\n<li><b>Uncertainty and risks as top barriers:<\/b> Most respondents agree on the factors topping their lists of spending hesitation: doubt that Social Security will be there (44%), inflation\/rising cost of living (42%), and healthcare costs\/long-term care costs (34%), with market risk also a factor among respondents with higher asset levels (24% among those with $500K+ in investable assets).\n<\/li>\n<li><b>FORO (Fear of Running Out):<\/b> The research points to a powerful counterweight to retirement enjoyment \u2014 among savers, 40% would prefer to leave money behind over the risk of running out, and over a quarter feel proud watching their balance not decrease. Combined, over half (54%) reported that they would rather leave money behind than run out in retirement or preserve their assets, rising to 70% among those with $500K or more in investable assets.\n<\/li>\n<li><b>Trading saving for living \u2014 before it\u2019s too late:<\/b> Close to half (42%) struggle to balance enjoying experiences now versus waiting until it may be too late, with this tension felt even more strongly by those with more savings (51% among those with $500K or more in investable assets).\n<\/li>\n<li><b>Spending associated with guilt:<\/b> Most respondents say they experience guilt when spending on discretionary items. That percentage increases when it comes to spending on things like big trips and adventures (61%), entertainment (63%), and classic bucket-list purchases, such as a beach house, sports car, jewelry, etc. (86%). And 67% of total respondents find it hard to justify hiring help to make life easier (housekeepers, gardeners, painters, etc.). However, when presented with spending opportunities and imagining that costs were of no consequence, respondents identified areas that would bring more enjoyment: big adventures or travel (43%), hobbies (43%), and dining out (36%).\n<\/li>\n<\/ul>\n<p><b><span class=\"bwuline\">Unlocking the License to Spend<\/span><\/b><\/p>\n<p>\nWhile lifetime savers worry about running out of money, they have an equally powerful concern: running out of time. Retirement plans and guaranteed income create confidence, but those most comfortable spending adopt a mindset that values experiences and making the most of the future. The findings suggest that true retirement confidence comes not only from financial preparation but from giving oneself permission to enjoy the future those savings were meant to support.<\/p>\n<p><i>\u201cWhat makes these findings so compelling is that permission to spend isn\u2019t simply a financial challenge, it\u2019s a psychological one. The research suggests that many savers are held back by a mindset rooted in uncertainty and fear,\u201d explained<b> Leib Litman, Ph.D., chief research officer and behavioral scientist at CloudResearch<\/b>. \u201cThe challenge is helping people emotionally transition from saver to spender and shift from asking, \u2018What if I run out?\u2019 to asking, \u2018What experiences might I miss if I never use what I\u2019ve worked so hard to save?\u2019\u201d<\/i><\/p>\n<ul class=\"bwlistdisc\">\n<li><b>Knowing how long to hold on:<\/b> Thirty-three percent of all respondents report they don\u2019t know how long they need their money to last. That number jumps to 44% among those with $500K+ in investable assets.\n<\/li>\n<li><b>Planning and guaranteed income:<\/b> Pre-retirees with a clear retirement plan are 56% more likely to feel comfortable to spend their savings on enjoyment. Savers with a withdrawal strategy are 52% more likely to feel comfortable spending on enjoyment. And those who have or expect to use a pension, annuity, or guaranteed income in retirement are 43% more likely to feel they have the permission to enjoy their savings. Overall, 58% say they would feel more comfortable spending their savings if they knew that their basics are covered, including emergencies, and they have guaranteed income for life.\n<\/li>\n<li><b>Leaning into FOMO (Fear Of Missing Out):<\/b> While less than a fifth of savers say they would be comfortable spending savings to enjoy retirement, 26% of savers fear their biggest future regret will be missing out on life. That fear rises to 40% among households with $500K+ in assets.\n<\/li>\n<li><b>Reminder that life may be shorter than desired: <\/b>Overall, 59% of respondents want to live longer than they expect to. One in five respondents reported they would like to live to 100 years old. Forty-five percent want to live to at least 90 years old, but only 30% expect they will reach that age.\n<\/li>\n<li><b>Carpe diem attitude:<\/b> When asked what they would tell a friend who is also afraid to spend, nearly half of the respondents advise a \u201cyou can\u2019t take it with you\u201d mindset. Savers with a \u201clive now\u201d attitude are 25% more likely to feel comfortable spending on enjoyment than those who do not. Savers who feel that they have earned the right to enjoy their savings through discipline and hard work are 47% more likely to feel comfortable spending their savings for pleasure; this signals a key emotional driver among wealthier savers ($500K+ in assets).\n<\/li>\n<li><b>A more positive take on the future:<\/b> When asked about their outlook in retirement, those already living it expressed a notably more positive perspective than those still preparing for it. The dread among pre-retirees about the future may be overestimated, as retirees are far more likely to describe retirement as \u201cfreedom\u201d (71% vs. 53%), more ordinary yet meaningful, and more affordable than imagined. The study revealed that adapting a more positive mindset about the future and uncertainty is also associated with greater comfort in spending.\n<\/li>\n<\/ul>\n<p><b><span class=\"bwuline\">A Significant Need \u2014 and Opportunity \u2014 for Advice and Access Exists<\/span><\/b><\/p>\n<p>\nThe research suggests there are several opportunities, strategies, and tools being underutilized by Americans that could ease anxiety and help strengthen both their retirement security and enjoyment. Nearly half (47%) report that knowing basic living expenses are covered for life would lead to income certainty and increased comfort to spend; it is even higher among wealthier respondents (55% among those with $500K+ in investable assets).<\/p>\n<p><i>\u201cRetirement spending decisions are deeply personal. Spending money you worked so long to save can feel like a loss. For my clients, having a financial plan that we build together which clearly shows their priorities accounted for, in a timeframe they chose, really helps to ease anxiety around spending,\u201d said <b>Barbara Pietrangelo, a financial planner with Prudential Wealth Advisors<\/b>.<\/i><\/p>\n<ul class=\"bwlistdisc\">\n<li><b>Plans and advice needed:<\/b> Only 23% of pre-retiree respondents have a clear retirement plan. Just 16% of all respondents have a withdrawal strategy. Even among those with $500K+ in investable assets, only 31% have a clear withdrawal strategy. Furthermore, only 28% of all respondents currently work with a financial advisor or planner.\n<\/li>\n<li><b>Steady stipend vs. single sum:<\/b> Two-thirds (66%) would choose a guaranteed monthly check for life over a lump sum. Over half (54%) report permission to spend and enjoy as the most common reason for wanting guaranteed income.\n<\/li>\n<li><b>Close the gender gap: <\/b>Women are still notably more likely than men to associate retirement with financial insecurity (55% vs. 41%). Women are 33% less likely to feel comfortable enjoying their savings than men. Married or partnered women continue to feel they are less knowledgeable about investing than their spouses\/partners (28% vs. 39% among men), and they are less likely to lead a relationship with an advisor (16% vs. 36% among men).\n<\/li>\n<li><b>Bridging AI into action:<\/b> Thirty-nine percent of respondents who are still in the workforce report using AI for retirement guidance, including whether to buy an annuity or a guaranteed income product. However, 88% of them would check the information first from other sources, family, or an advisor before acting on it. Fifty-six percent reported that they would check with an advisor first, showing that while AI might be the \u201cfront door\u201d to advice, human advisors remain trusted experts.\n<\/li>\n<\/ul>\n<p>\nVisit <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.prudential.com%2Fcommon%2Ffindfinancialprofessional&amp;esheet=54613721&amp;newsitemid=20261001595855&amp;lan=en-US&amp;anchor=here&amp;index=2&amp;md5=23eb9bb60a7b32bb648712ef726b1fab\"><b>here<\/b><\/a> to find a local financial professional in your area.<\/p>\n<p><b>ABOUT PRUDENTIAL<\/b><\/p>\n<p>\nPrudential Financial, Inc. (<a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Finvestor.prudential.com&amp;esheet=54613721&amp;newsitemid=20261001595855&amp;lan=en-US&amp;anchor=NYSE%3A+PRU&amp;index=3&amp;md5=fddc781456f97195e22ff727cf0a760c\">NYSE: PRU<\/a>), a global financial services leader and premier active global investment manager with approximately $1.6 trillion in assets under management as of June 30, 2026, has operations in the United States, Asia, Europe, and Latin America. Prudential\u2019s diverse and talented employees help make lives better and create financial opportunity for more people by expanding access to investing, insurance, and retirement security. Prudential\u2019s iconic Rock symbol has stood for strength, stability, expertise, and innovation for nearly 150 years. For more information, please visit <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.news.prudential.com%2F&amp;esheet=54613721&amp;newsitemid=20261001595855&amp;lan=en-US&amp;anchor=news.prudential.com&amp;index=4&amp;md5=d1e3b786c63668d37afb3f9e4782039b\">news.prudential.com<\/a>.<\/p>\n<p><b>ABOUT THE SURVEY<\/b><\/p>\n<p>\nThis year\u2019s Retirement Pulse survey was conducted online from July 27 \u2013 August 2, 2026, in partnership with <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fnam10.safelinks.protection.outlook.com%2F%3Furl%3Dhttps%253A%252F%252Fwww.cloudresearch.com%252F%26data%3D05%257C02%257Clara.manuel%2540prudential.com%257C4e6df3dfc8e846fa8c6608df0e855b8c%257Cd8fde2f5939242608a030ad01f4746e9%257C0%257C0%257C639245638348675087%257CUnknown%257CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%253D%253D%257C0%257C%257C%257C%26sdata%3D%252BtmWLSmbYQet8TO8X%252BTwa2Q0ca9oln1wfH49n181PSU%253D%26reserved%3D0&amp;esheet=54613721&amp;newsitemid=20261001595855&amp;lan=en-US&amp;anchor=CloudResearch&amp;index=5&amp;md5=236cb5c7e9b177b8321746dd7b617daf\">CloudResearch<\/a>, using a mixed-methods design via their Engage platform. Alongside closed-ended questions, participants answered deep open-ended questions in an AI-moderated conversational format with follow-up probes. A total of 3,023 U.S. adults at least 50 years of age participated in the research, balanced to demographically represent a target population of pre-retirees and retirees.<\/p>\n<p>\n1093003-00001-00<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20261001595855r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20261001595855\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20261001595855\/en\/<\/a><\/span><\/p>\n<p><b>MEDIA CONTACT<br \/>\n<\/b><br \/>Gloria Doyle<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:gloria.doyle@prudential.com\">gloria.doyle@prudential.com<br \/>\n<\/a><br \/>(973) 961-1080<\/p>\n<p><b>KEYWORDS:<\/b> United States North America New Jersey<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Finance Banking Professional Services Asset Management Insurance<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20261001595855\/en\/459467\/3\/Pru_4c.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>New Prudential Research Reveals a Rising Retirement Challenge: the License to Spend Survey points to guaranteed lifetime income and a mindset shift as key solutions to overcome spending struggles NEWARK, N.J.&#8211;(BUSINESS WIRE)&#8211; A new study released by Prudential Financial, Inc. (NYSE: PRU), the 2026 Retirement Pulse survey, shows that many retirees need guidance, clear withdrawal strategies, and guaranteed lifetime income to feel they have a \u201clicense to spend\u201d on things they enjoy. Concerns about saving enough for retirement \u2014 and the fear of running out \u2014 have been widely documented. Prudential\u2019s Retirement Pulse survey reveals a new angle: After a lifetime of being taught to save for retirement, many of today\u2019s retirees resist tapping into their savings when the time &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/new-prudential-research-reveals-a-rising-retirement-challenge-the-license-to-spend\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;New Prudential Research Reveals a Rising Retirement Challenge: the License to Spend&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1007618","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>New Prudential Research Reveals a Rising Retirement Challenge: the License to Spend - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/new-prudential-research-reveals-a-rising-retirement-challenge-the-license-to-spend\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New Prudential Research Reveals a Rising Retirement Challenge: the License to Spend - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"New Prudential Research Reveals a Rising Retirement Challenge: the License to Spend Survey points to guaranteed lifetime income and a mindset shift as key solutions to overcome spending struggles NEWARK, N.J.&#8211;(BUSINESS WIRE)&#8211; A new study released by Prudential Financial, Inc. (NYSE: PRU), the 2026 Retirement Pulse survey, shows that many retirees need guidance, clear withdrawal strategies, and guaranteed lifetime income to feel they have a \u201clicense to spend\u201d on things they enjoy. Concerns about saving enough for retirement \u2014 and the fear of running out \u2014 have been widely documented. Prudential\u2019s Retirement Pulse survey reveals a new angle: After a lifetime of being taught to save for retirement, many of today\u2019s retirees resist tapping into their savings when the time &hellip; Continue reading &quot;New Prudential Research Reveals a Rising Retirement Challenge: the License to Spend&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/new-prudential-research-reveals-a-rising-retirement-challenge-the-license-to-spend\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-01T19:03:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20261001595855r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/new-prudential-research-reveals-a-rising-retirement-challenge-the-license-to-spend\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/new-prudential-research-reveals-a-rising-retirement-challenge-the-license-to-spend\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"New Prudential Research Reveals a Rising Retirement Challenge: the License to Spend\",\"datePublished\":\"2026-10-01T19:03:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/new-prudential-research-reveals-a-rising-retirement-challenge-the-license-to-spend\\\/\"},\"wordCount\":1814,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/new-prudential-research-reveals-a-rising-retirement-challenge-the-license-to-spend\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cts.businesswire.com\\\/ct\\\/CT?id=bwnews&amp;sty=20261001595855r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/new-prudential-research-reveals-a-rising-retirement-challenge-the-license-to-spend\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/new-prudential-research-reveals-a-rising-retirement-challenge-the-license-to-spend\\\/\",\"name\":\"New Prudential Research Reveals a Rising Retirement Challenge: the License to Spend - 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