What the Average Boomer Actually Retires With | Unretired AF

We’ve all heard what we’re supposed to retire with.
Today, we’re talking about what people actually do.

In this episode, we break down the real numbers behind Boomer retirement - not the scary headlines, not the million-dollar myth, and not the financial fantasy that leaves so many people feeling behind.

We get into:

Where the “you need $1 million” narrative comes from

How many Boomers actually have nothing saved - and why that matters

What the median retirement numbers really look like

Why averages are misleading when millions aren’t counted at all

How Social Security, part-time work, and lifestyle shifts fill the gap

Most importantly, we talk about what people are actually doing:

Working longer (by choice or necessity)

Living lighter - not poorer

Letting time replace status spending

Adapting instead of “arriving” financially

This isn’t a doom-and-gloom retirement episode. It’s about context, relief, and realism - and the quiet truth nobody says out loud: most people don’t retire the way the articles describe… and they’re often happier than expected.

If you don’t look like the retirement ads, don’t worry.
You’re not broken. You’re not late. You’re not alone.

👉 Turns out, the average looks very different than we were told.

CHAPTERS:

00:00 Hook & Intro
01:02 The Myth vs Reality Gap
03:16 The Actual Numbers
08:01 What People Are Actually Doing
13:56 Enjoying Life With Less Than Expected
21:24 The Quiet Truth Nobody Says
27:47 The Takeaway

RESOURCES:

How Many Americans Have $1 Million in Retirement Savings
MoneyTalksNews
https://www.moneytalksnews.com/how-ma...

What Americans Have Saved for Retirement, by Age
Investopedia
https://www.investopedia.com/what-ame...

More Than Half of U.S. Households Have Retirement Accounts, CRS Says
ASPPA
https://www.asppa-net.org/news/2025/3...

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