Americans’ 401(k) retirement savings surged again in 2025, potentially easing long‑term housing risks for millions of homeowners. According to a 2025 Northwestern Mutual survey , Americans believe they need roughly $1.26 million to retire comfortably. The growing gap between perceived retirement needs and actual savings has raised fresh questions about long‑term financial security—particularly as student loan and credit card debt climb and as Washington debates whether to ease penalties on