New Prudential Research Reveals a Rising Retirement Challenge: the License to Spend

Prudential released its 2026 Retirement Pulse survey, finding that 86% of retirees do not feel free to spend their savings on things they enjoy. The study frames retirement spending as a psychological barrier, arguing that guaranteed lifetime income, withdrawal strategies, and advice can unlock spending confidence — areas where Prudential sells annuities and advisory services. Key data points include 66% preferring a guaranteed monthly check over a lump sum and only 16% of respondents having a withdrawal strategy; the survey polled 3,023 U.S.

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