Many Americans are heading into retirement with anxiety rather than optimism. Even as life expectancy grows, doubts about financial security linger—so much so that more than half believe they’ll need to go back to work after retiring. According to US Bank’s 2025 Wealth Report—which surveyed 5,000 U.S. adults aged 18 and older between June 9 and June 26, 2025—63 percent worry they’ll have to return to work after retiring. While 61 percent expect retirement to last at least 15 years, only 58