Running Out of Money in Retirement: What’s the Risk?

Country/area: United States

Organisation: Annuity.org

Organisation size: Small

Publication date: 17/09/2021

Credit: Emily Miller, Rachel Christian


Rachel Christian is a professional journalist who has covered business, local government and education since 2014. She is a Certified Educator in Personal Finance with FinCert, a division of the Institute for Financial Literacy.

Emily Miller is an award-winning journalist with more than 10 years of experience as a researcher, writer and editor. She joined Annuity.org in 2016 and is the brand’s managing editor.

Project description:

This project explores the risk of running out of money in retirement. It  identifies how often Americans run out of money in later life and which demographics are at high risk by analyzing relevant timely studies and incorporating original expert interviews. It also offers tips on how to avoid running out of money by planning early, creating a post-retirement budget and utilizing various financial products, such as retirement accounts and annuities. 

Impact reached:

The project educates readers about the risk of running out of money in retirement and how to guard against outliving their savings. We answer the questions: How common is it for Americans to run out of money in retirement? Who is at risk? How do I prevent it from happening?

The project resulted in 1,181 pageviews, with an average time on page of nearly 9 minutes. More than 20 websites included a link to the project as a resource for their visitors. Within two weeks of publication, the project had 504,370 impressions on social media.

Techniques/technologies used:

We interviewed authoritative experts, synthesized data and figures from relevant studies, and thoroughly researched financial solutions to construct a comprehensive, valuable resource.


What was the hardest part of this project?

We built infographics, charts, an expert Q&A, a downloadable retirement planning sheet and an interactive calculator. 

What can others learn from this project?

This project presents extensive research and data through accessible storytelling, incorporating expert voices and interactive tools.

Project links: