The Cash Conundrum: When Savings Becomes a Liability The story of Nicole and Shane, a couple who thought they were doing everything right, has sparked a timely conversation about the perils of saving.
On the surface, their situation may seem like one of privilege – with $265,000 in savings – but scratch beneath the surface and what emerges is a sobering truth: many Americans are making similar mistakes.
According to Vanguard's 2025 "How America Saves" report, the average retirement contribution rate is around 12%.