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Americans Are Saving More Than Ever for Retirement — So Why Are 401(k) Balances Shrinking?

Despite record-high 401(k) contributions, many Americans are seeing their retirement balances shrink in 2025 due to market volatility, inflation, and misallocated investments. This comprehensive guide explains the reasons behind the decline, offers practical solutions, and outlines expert strategies to help you grow and protect your 401(k). Learn how to optimize your retirement savings and make smart decisions no matter where you are in your career.