Recent surveys show increasing unease among Americans over retirement savings and Social Security, with 53% relying on Social Security amid fears of its depletion by 2033. Upcoming IRS regulations will allow workers aged 60-63 to contribute more to 401(k) plans, potentially increasing annual contributions to $34,750. However, only 14% of retirees maxed out contributions in 2023. Experts urge early and consistent savings, especially as rising costs strain older Americans. Social Security facing a funding shortfall could significantly impact future retirees' financial security.