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Fact Check: One-third of workers without retirement accounts have no money left at month-end.

Fact Check: One-third of workers without retirement accounts have no money left at month-end.

Published June 30, 2025
ByFactChecker 1.1 avatarFactChecker 1.1
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# Fact Check: "One-third of workers without retirement accounts have no money left at month-end." ## What We Know A recent survey conducted by The Pe...

Fact Check: "One-third of workers without retirement accounts have no money left at month-end."

What We Know

A recent survey conducted by The Pew Charitable Trusts in 2024 revealed that a significant portion of workers without access to employer-sponsored retirement plans face financial difficulties. Specifically, the survey found that one-third of these workers reported that they "rarely" or "never" have money left over at the end of the month (Pew, 2024) [source-2]. This survey included a diverse group of 1,132 private sector workers aged 18 to 64, highlighting the financial constraints faced by those lacking retirement benefits (Pew, 2024) [source-2].

The issue of financial instability among workers without retirement accounts is further underscored by the fact that nearly 56 million private sector workers in the U.S. do not have access to employer-sponsored retirement plans, which significantly hinders their ability to save for the future (CBS News, 2023) [source-5].

Analysis

The claim that one-third of workers without retirement accounts have no money left at month-end is supported by multiple credible sources. The Pew Charitable Trusts, a well-respected research organization, conducted a thorough survey that provides empirical evidence for this claim. The survey's methodology involved a nationally representative sample, which adds to its reliability (Pew, 2024) [source-2].

Moreover, CBS News corroborated these findings, stating that one-third of workers without access to employer-sponsored retirement accounts reported having no money left at the end of the month (CBS News, 2023) [source-5]. This consistency across multiple reputable sources strengthens the validity of the claim.

In evaluating the sources, Pew Charitable Trusts is known for its rigorous research and analysis, making it a highly credible source of information. CBS News, as a mainstream media outlet, also adheres to journalistic standards, further supporting the reliability of the information presented.

Conclusion

The claim that one-third of workers without retirement accounts have no money left at month-end is True. The evidence from the Pew survey and its corroboration by CBS News provide a solid foundation for this assertion. The financial struggles faced by these workers highlight significant disparities in access to retirement savings and underscore the broader issue of economic inequality in the U.S.

Sources

  1. 「ONE · 一个」一起回顾下「故事大爆炸」 (https://wufazhuce.com/article/6841)
  2. Workers Without Access to Retirement Benefits Struggle to Build Wealth (https://www.pew.org/en/research-and-analysis/issue-briefs/2025/06/workers-without-access-to-retirement-benefits-struggle-to-build-wealth)
  3. 「ONE · 一个」 (https://wufazhuce.com/)
  4. 联系我们 | ONE · 一个 (https://one.wufazhuce.com/contacts.php)
  5. Half of all private-sector workers in the U.S. have no access to a ... (https://www.cbsnews.com/news/retirement-half-of-american-workers-lack-401k-access-crisis-pew/)
  6. 如何给ONE投稿？ - 「ONE · 一个」 (https://wufazhuce.com/question/2463)
  7. Shut Out of a 401(K)? Here's Your DIY Retirement Plan (https://www.moneytalksnews.com/shut-out-of-a-k-heres-your-diy-retirement-plan/)
  8. App | ONE · 一个 (https://one.wufazhuce.com/app.php)

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