{"id":62233,"date":"2026-02-03T03:05:05","date_gmt":"2026-02-03T02:05:05","guid":{"rendered":"https:\/\/housesmarketplace.com\/retirement-accounts-become-emergency-funds-as-financial-stress-rises\/"},"modified":"2026-02-03T03:05:05","modified_gmt":"2026-02-03T02:05:05","slug":"retirement-accounts-become-emergency-funds-as-financial-stress-rises","status":"publish","type":"post","link":"https:\/\/housesmarketplace.com\/ru\/retirement-accounts-become-emergency-funds-as-financial-stress-rises\/","title":{"rendered":"\u041f\u043e \u043c\u0435\u0440\u0435 \u0440\u043e\u0441\u0442\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u0441\u0442\u0440\u0435\u0441\u0441\u0430 \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u044b\u0435 \u043d\u0430\u043a\u043e\u043f\u043b\u0435\u043d\u0438\u044f \u043f\u0440\u0435\u0432\u0440\u0430\u0449\u0430\u044e\u0442\u0441\u044f \u0432 \u0440\u0435\u0437\u0435\u0440\u0432\u043d\u044b\u0435 \u0444\u043e\u043d\u0434\u044b \u043d\u0430 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\u043e\u0431\u0441\u0442\u043e\u044f\u0442\u0435\u043b\u044c\u0441\u0442\u0432, \u043f\u043e\u0441\u043a\u043e\u043b\u044c\u043a\u0443 \u0430\u043c\u0435\u0440\u0438\u043a\u0430\u043d\u0441\u043a\u0438\u0435 \u0440\u0430\u0431\u043e\u0442\u043d\u0438\u043a\u0438 \u0441\u0442\u0430\u043b\u043a\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u0441 \u0440\u043e\u0441\u0442\u043e\u043c \u0440\u0430\u0441\u0445\u043e\u0434\u043e\u0432 \u0438 \u043f\u043e\u0441\u0442\u043e\u044f\u043d\u043d\u043e\u0439 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u043d\u0435\u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u043d\u043e\u0441\u0442\u044c\u044e.<\/p>\n<p>\u041e\u043f\u0440\u043e\u0441\u044b \u0438\u0437 <strong>\u0421\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 \u0436\u0438\u0437\u043d\u0438 Allianz<\/strong>, <strong>\u0418\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f \u0441 \u0441\u0438\u0441\u0442\u0435\u043c\u0430\u043c\u0438 \u0440\u0430\u0441\u0447\u0435\u0442\u0430 \u0437\u0430\u0440\u0430\u0431\u043e\u0442\u043d\u043e\u0439 \u043f\u043b\u0430\u0442\u044b<\/strong> \u0438 <strong>\u0410\u043d\u043d\u0443\u0438\u0442\u0435\u0442\u044b \u0438 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 \u0436\u0438\u0437\u043d\u0438 F&amp;G<\/strong> \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u044c, \u043a\u0430\u043a \u0430\u043c\u0435\u0440\u0438\u043a\u0430\u043d\u0446\u044b \u0441\u043e\u043a\u0440\u0430\u0449\u0430\u044e\u0442 \u0440\u0430\u0441\u0445\u043e\u0434\u044b <a href=\"https:\/\/www.housingwire.com\/articles\/401k-for-homeownership-is-risky\/\">\u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u044b\u0435 \u0432\u0437\u043d\u043e\u0441\u044b<\/a> \u0438 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u044c \u0441\u0431\u0435\u0440\u0435\u0436\u0435\u043d\u0438\u044f, \u043f\u0440\u0435\u0434\u043d\u0430\u0437\u043d\u0430\u0447\u0435\u043d\u043d\u044b\u0435 \u0434\u043b\u044f \u0431\u043e\u043b\u0435\u0435 \u043f\u043e\u0437\u0434\u043d\u0435\u0433\u043e \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0430, \u0434\u043b\u044f \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u044f \u043d\u0435\u043e\u0442\u043b\u043e\u0436\u043d\u044b\u0445 \u043d\u0443\u0436\u0434, \u0434\u0430\u0436\u0435 \u043d\u0435\u0441\u043c\u043e\u0442\u0440\u044f \u043d\u0430 \u0442\u043e, \u0447\u0442\u043e \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0440\u044b\u043d\u043a\u0438 \u0434\u043e\u0441\u0442\u0438\u0433\u043b\u0438 \u0440\u0435\u043a\u043e\u0440\u0434\u043d\u044b\u0445 \u043c\u0430\u043a\u0441\u0438\u043c\u0443\u043c\u043e\u0432 \u0432 2025 \u0433\u043e\u0434\u0443.<\/p>\n<p>\u0412 <a href=\"https:\/\/www.allianzlife.com\/about\/newsroom\/2026-Press-Releases\/Americans-Cutting-Back-on-Retirement-Savings\">\u0410\u043b\u044c\u044f\u043d\u0441 \u041b\u0430\u0439\u0444<\/a>\u0421\u043e\u0433\u043b\u0430\u0441\u043d\u043e \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044e \u0432\u043e\u0441\u043f\u0440\u0438\u044f\u0442\u0438\u044f \u0440\u044b\u043d\u043a\u0430 \u0437\u0430 4 \u043a\u0432\u0430\u0440\u0442\u0430\u043b 2025 \u0433\u043e\u0434\u0430, 51% \u0440\u0435\u0441\u043f\u043e\u043d\u0434\u0435\u043d\u0442\u043e\u0432 \u0437\u0430\u044f\u0432\u0438\u043b\u0438, \u0447\u0442\u043e \u043f\u0440\u0435\u043a\u0440\u0430\u0442\u0438\u043b\u0438 \u0438\u043b\u0438 \u0441\u043e\u043a\u0440\u0430\u0442\u0438\u043b\u0438 \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u044b\u0435 \u043d\u0430\u043a\u043e\u043f\u043b\u0435\u043d\u0438\u044f \u0437\u0430 \u043f\u0440\u0435\u0434\u044b\u0434\u0443\u0449\u0438\u0435 \u0448\u0435\u0441\u0442\u044c \u043c\u0435\u0441\u044f\u0446\u0435\u0432 \u0438\u0437-\u0437\u0430 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0443\u0441\u043b\u043e\u0432\u0438\u0439.<\/p>\n<p>\u041f\u043e\u0447\u0442\u0438 \u0441\u0442\u043e\u043b\u044c\u043a\u043e \u0436\u0435 (47%) \u0437\u0430\u044f\u0432\u0438\u043b\u0438, \u0447\u0442\u043e \u0441\u043d\u044f\u043b\u0438 \u0434\u0435\u043d\u044c\u0433\u0438 \u0441\u043e \u0441\u0447\u0435\u0442\u0430. <a href=\"https:\/\/www.housingwire.com\/articles\/trump-401k-down-payment-2\/\">\u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u044b\u0435 \u0441\u0447\u0435\u0442\u0430<\/a> \u0432 \u0442\u0435\u0447\u0435\u043d\u0438\u0435 \u044d\u0442\u043e\u0433\u043e \u043f\u0435\u0440\u0438\u043e\u0434\u0430.<\/p>\n<p><a href=\"https:\/\/www.payrollintegrations.com\/employee-financial-wellness-report-2025\">\u0418\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f \u0441 \u0441\u0438\u0441\u0442\u0435\u043c\u0430\u043c\u0438 \u0440\u0430\u0441\u0447\u0435\u0442\u0430 \u0437\u0430\u0440\u0430\u0431\u043e\u0442\u043d\u043e\u0439 \u043f\u043b\u0430\u0442\u044b<\/a>\u0412 \u043e\u0442\u0447\u0435\u0442\u0435 \u043e \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u043c \u0431\u043b\u0430\u0433\u043e\u043f\u043e\u043b\u0443\u0447\u0438\u0438 \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u043a\u043e\u0432 \u0437\u0430 2025 \u0433\u043e\u0434 \u0432\u044b\u044f\u0432\u043b\u0435\u043d\u043e \u0430\u043d\u0430\u043b\u043e\u0433\u0438\u0447\u043d\u043e\u0435 \u043f\u043e\u0432\u0435\u0434\u0435\u043d\u0438\u0435: 381 \u0440\u0435\u0441\u043f\u043e\u043d\u0434\u0435\u043d\u0442 \u0437\u0430\u044f\u0432\u0438\u043b, \u0447\u0442\u043e \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043b \u0441\u0432\u043e\u0438 \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u044b\u0435 \u043d\u0430\u043a\u043e\u043f\u043b\u0435\u043d\u0438\u044f. \u041e\u043a\u043e\u043b\u043e \u0442\u0440\u0435\u0442\u0438 \u043f\u043b\u0430\u043d\u0438\u0440\u0443\u044e\u0442 \u0441\u0434\u0435\u043b\u0430\u0442\u044c \u044d\u0442\u043e \u0441\u043d\u043e\u0432\u0430 \u0432 \u0442\u0435\u0447\u0435\u043d\u0438\u0435 \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0435\u0433\u043e \u0433\u043e\u0434\u0430 \u0434\u043b\u044f \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u044f \u043d\u0435\u043f\u0440\u0435\u0434\u0432\u0438\u0434\u0435\u043d\u043d\u044b\u0445 \u0438\u043b\u0438 \u043f\u043e\u0432\u0441\u0435\u0434\u043d\u0435\u0432\u043d\u044b\u0445 \u0440\u0430\u0441\u0445\u043e\u0434\u043e\u0432.<\/p>\n<p>\u00ab\u0425\u043e\u0442\u044f \u0432 \u043a\u0440\u0430\u0442\u043a\u043e\u0441\u0440\u043e\u0447\u043d\u043e\u0439 \u043f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u0435 \u044d\u0442\u043e \u043c\u043e\u0436\u0435\u0442 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u044c\u0441\u044f \u043c\u0435\u043d\u0435\u0435 \u0431\u043e\u043b\u0435\u0437\u043d\u0435\u043d\u043d\u044b\u043c, \u0441\u043e\u043a\u0440\u0430\u0449\u0435\u043d\u0438\u0435 \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u044b\u0445 \u043d\u0430\u043a\u043e\u043f\u043b\u0435\u043d\u0438\u0439 \u0441\u0435\u0439\u0447\u0430\u0441 \u043c\u043e\u0436\u0435\u0442 \u043f\u043e\u043c\u0435\u0448\u0430\u0442\u044c \u0432\u0430\u043c \u0434\u043e\u0441\u0442\u0438\u0447\u044c \u0432\u0430\u0448\u0438\u0445 \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u044b\u0445 \u0446\u0435\u043b\u0435\u0439 \u0432 \u0434\u043e\u043b\u0433\u043e\u0441\u0440\u043e\u0447\u043d\u043e\u0439 \u043f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u0435\u00bb, \u2014 \u0437\u0430\u044f\u0432\u0438\u043b\u0430 \u0432 \u0441\u0432\u043e\u0435\u043c \u0437\u0430\u044f\u0432\u043b\u0435\u043d\u0438\u0438 \u041a\u0435\u043b\u043b\u0438 \u041b\u0430\u0432\u0438\u043d\u044c, \u0432\u0438\u0446\u0435-\u043f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 Allianz Life \u043f\u043e \u0430\u043d\u0430\u043b\u0438\u0437\u0443 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u0438\u0445 \u043f\u0440\u0435\u0434\u043f\u043e\u0447\u0442\u0435\u043d\u0438\u0439. \u00ab\u0414\u043e\u0441\u0442\u0438\u0436\u0435\u043d\u0438\u0435 \u0436\u0435\u043b\u0430\u0435\u043c\u043e\u0439 \u043f\u0435\u043d\u0441\u0438\u0438, \u043a\u0430\u043a \u043f\u0440\u0430\u0432\u0438\u043b\u043e, \u0442\u0440\u0435\u0431\u0443\u0435\u0442 \u043f\u043e\u0441\u0442\u043e\u044f\u043d\u043d\u043e\u0433\u043e \u043f\u043e\u0441\u0442\u0435\u043f\u0435\u043d\u043d\u043e\u0433\u043e \u043f\u0440\u043e\u0433\u0440\u0435\u0441\u0441\u0430 \u043d\u0430 \u043f\u0440\u043e\u0442\u044f\u0436\u0435\u043d\u0438\u0438 \u0432\u0441\u0435\u0439 \u0442\u0440\u0443\u0434\u043e\u0432\u043e\u0439 \u0436\u0438\u0437\u043d\u0438\u00bb.<\/p>\n<p>\u0420\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u044b \u044d\u0442\u0438\u0445 \u043e\u0442\u0447\u0435\u0442\u043e\u0432 \u0431\u044b\u043b\u0438 \u043e\u043f\u0443\u0431\u043b\u0438\u043a\u043e\u0432\u0430\u043d\u044b \u043d\u0435\u0434\u0430\u0432\u043d\u043e. <a href=\"https:\/\/www.planadviser.com\/retirement-industry-deals-people-moves-1-30-2026\/\">\u0432\u043a\u0440\u0430\u0442\u0446\u0435<\/a> \u0410\u0432\u0442\u043e\u0440: PLANADVISOR.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-generation-gap-workers-not-feeling-market-momentum\">\u0420\u0430\u0437\u0440\u044b\u0432 \u043c\u0435\u0436\u0434\u0443 \u043f\u043e\u043a\u043e\u043b\u0435\u043d\u0438\u044f\u043c\u0438, \u0440\u0430\u0431\u043e\u0442\u043d\u0438\u043a\u0438 \u043d\u0435 \u043e\u0449\u0443\u0449\u0430\u044e\u0442 \u0440\u044b\u043d\u043e\u0447\u043d\u043e\u0433\u043e \u0438\u043c\u043f\u0443\u043b\u044c\u0441\u0430<\/h2>\n<p>\u041c\u043e\u043b\u043e\u0434\u044b\u0435 \u0440\u0430\u0431\u043e\u0442\u043d\u0438\u043a\u0438 \u0447\u0430\u0449\u0435 \u0432\u0441\u0435\u0433\u043e \u043f\u043e\u043b\u0430\u0433\u0430\u043b\u0438\u0441\u044c \u043d\u0430 \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u044b\u0435 \u043d\u0430\u043a\u043e\u043f\u043b\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u044f \u043a\u0440\u0430\u0442\u043a\u043e\u0441\u0440\u043e\u0447\u043d\u044b\u0445 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0445 \u0441\u0440\u0435\u0434\u0441\u0442\u0432.<\/p>\n<p>\u041a\u043e\u043c\u043f\u0430\u043d\u0438\u044f Allianz \u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0438\u043b\u0430, \u0447\u0442\u043e 62% \u0438\u0437 <a href=\"https:\/\/www.housingwire.com\/articles\/gen-z-homeowners-report-higher-insurance-company-dissatisfaction\/\">\u041f\u043e\u043a\u043e\u043b\u0435\u043d\u0438\u0435 Z<\/a> \u0421\u0440\u0435\u0434\u0438 \u0440\u0435\u0441\u043f\u043e\u043d\u0434\u0435\u043d\u0442\u043e\u0432 \u043f\u043e\u043a\u043e\u043b\u0435\u043d\u0438\u044f \u043c\u0438\u043b\u043b\u0435\u043d\u0438\u0430\u043b\u043e\u0432 \u0431\u044b\u043b\u0438 \u043b\u044e\u0434\u0438, \u0438\u043c\u0435\u0432\u0448\u0438\u0435 \u0434\u043e\u0441\u0442\u0443\u043f \u043a \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u044b\u043c \u043d\u0430\u043a\u043e\u043f\u043b\u0435\u043d\u0438\u044f\u043c, \u043f\u043e \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u044e \u0441 46% \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u0438\u0442\u0435\u043b\u0435\u0439 \u043f\u043e\u043a\u043e\u043b\u0435\u043d\u0438\u044f X \u0438 36% \u043b\u0438\u0446, \u0433\u043e\u0442\u043e\u0432\u044f\u0449\u0438\u0445\u0441\u044f \u043a \u0432\u044b\u0445\u043e\u0434\u0443 \u043d\u0430 \u043f\u0435\u043d\u0441\u0438\u044e. <a href=\"https:\/\/www.housingwire.com\/articles\/baby-boomer-homeownership-trends-2025-survey\/\">\u0431\u044d\u0431\u0438-\u0431\u0443\u043c\u0435\u0440\u044b<\/a>.<\/p>\n<p>\u041a\u043e\u043c\u043f\u0430\u043d\u0438\u044f Payroll Integrations \u0441\u043e\u043e\u0431\u0449\u0438\u043b\u0430, \u0447\u0442\u043e 461 \u0440\u0435\u0441\u043f\u043e\u043d\u0434\u0435\u043d\u0442 \u0438\u0437 \u043f\u043e\u043a\u043e\u043b\u0435\u043d\u0438\u044f Z \u043f\u043e\u0442\u0440\u0430\u0442\u0438\u043b\u0438 \u0447\u0430\u0441\u0442\u044c \u0441\u0432\u043e\u0438\u0445 \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u044b\u0445 \u043d\u0430\u043a\u043e\u043f\u043b\u0435\u043d\u0438\u0439.<\/p>\n<p>\u041d\u0435\u0441\u043c\u043e\u0442\u0440\u044f \u043d\u0430 \u0431\u043b\u0430\u0433\u043e\u043f\u0440\u0438\u044f\u0442\u043d\u0443\u044e \u0440\u044b\u043d\u043e\u0447\u043d\u0443\u044e \u043a\u043e\u043d\u044a\u044e\u043d\u043a\u0442\u0443\u0440\u0443, \u043c\u043d\u043e\u0433\u0438\u0435 \u0440\u0430\u0431\u043e\u0442\u043d\u0438\u043a\u0438 \u0437\u0430\u044f\u0432\u0438\u043b\u0438, \u0447\u0442\u043e \u043d\u0435 \u043e\u0449\u0443\u0449\u0430\u044e\u0442 \u043f\u043e\u0437\u0438\u0442\u0438\u0432\u043d\u044b\u0445 \u0438\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u0439.<\/p>\n<p>\u0428\u0435\u0441\u0442\u044c\u0434\u0435\u0441\u044f\u0442 \u0432\u043e\u0441\u0435\u043c\u044c \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043e\u0432 \u0440\u0435\u0441\u043f\u043e\u043d\u0434\u0435\u043d\u0442\u043e\u0432 Allianz \u0437\u0430\u044f\u0432\u0438\u043b\u0438, \u0447\u0442\u043e \u0438\u0445 \u043b\u0438\u0447\u043d\u044b\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u044b \u043d\u0435 \u043e\u0442\u0440\u0430\u0436\u0430\u044e\u0442 \u0440\u043e\u0441\u0442 \u0440\u044b\u043d\u043a\u0430, \u0430 59% \u0441\u043a\u0430\u0437\u0430\u043b <a href=\"https:\/\/www.housingwire.com\/articles\/health-care-costs-threaten-early-retirement\/\">\u0437\u0434\u0440\u0430\u0432\u043e\u043e\u0445\u0440\u0430\u043d\u0435\u043d\u0438\u0435<\/a> \u042d\u0442\u043e \u0431\u044b\u043b\u043e \u0434\u043b\u044f \u043d\u0438\u0445 \u0433\u043b\u0430\u0432\u043d\u044b\u043c \u043f\u0440\u0438\u043e\u0440\u0438\u0442\u0435\u0442\u043e\u043c \u0432 \u043f\u043b\u0430\u043d\u0435 \u043d\u0430\u043a\u043e\u043f\u043b\u0435\u043d\u0438\u0439.<\/p>\n<p>\u0418\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u0435 Payroll Integrations \u043f\u043e\u043a\u0430\u0437\u0430\u043b\u043e, \u0447\u0442\u043e 361 \u0440\u0435\u0441\u043f\u043e\u043d\u0434\u0435\u043d\u0442 \u0441\u0447\u0438\u0442\u0430\u044e\u0442, \u0447\u0442\u043e \u0441\u043b\u0438\u0448\u043a\u043e\u043c \u0434\u043e\u043b\u0433\u043e \u043e\u0442\u043a\u043b\u0430\u0434\u044b\u0432\u0430\u043b\u0438 \u043d\u0430\u0447\u0430\u043b\u043e \u043d\u0430\u043a\u043e\u043f\u043b\u0435\u043d\u0438\u0439 \u043d\u0430 \u043f\u0435\u043d\u0441\u0438\u044e, \u0430 \u0435\u0449\u0435 361 \u0440\u0435\u0441\u043f\u043e\u043d\u0434\u0435\u043d\u0442 \u043d\u0430\u0437\u0432\u0430\u043b\u0438 \u0440\u043e\u0441\u0442 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u0438 \u0436\u0438\u0437\u043d\u0438 \u0444\u0430\u043a\u0442\u043e\u0440\u043e\u043c, \u043d\u0435\u0433\u0430\u0442\u0438\u0432\u043d\u043e \u0432\u043b\u0438\u044f\u044e\u0449\u0438\u043c \u043d\u0430 \u0438\u0445 \u0443\u0432\u0435\u0440\u0435\u043d\u043d\u043e\u0441\u0442\u044c \u0432 \u0431\u0443\u0434\u0443\u0449\u0435\u043c. \u0422\u0440\u0438\u0434\u0446\u0430\u0442\u044c \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043e\u0432 \u0443\u043a\u0430\u0437\u0430\u043b\u0438 \u043d\u0430 \u0432\u043e\u043b\u0430\u0442\u0438\u043b\u044c\u043d\u043e\u0441\u0442\u044c \u0440\u044b\u043d\u043a\u0430, \u0430 201 \u0440\u0435\u0441\u043f\u043e\u043d\u0434\u0435\u043d\u0442 \u0437\u0430\u044f\u0432\u0438\u043b\u0438, \u0447\u0442\u043e \u0441\u043d\u0438\u043c\u0430\u043b\u0438 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u0438\u043b\u0438 \u0431\u0440\u0430\u043b\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u044b \u0438\u0437 \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u044b\u0445 \u043f\u043b\u0430\u043d\u043e\u0432.<\/p>\n<p>\u0420\u0430\u0441\u0442\u0435\u0442 \u0438 \u043d\u0435\u043f\u0440\u0438\u044f\u0442\u0438\u0435 \u0440\u0438\u0441\u043a\u0430. \u0428\u0435\u0441\u0442\u043e\u0439 \u0435\u0436\u0435\u0433\u043e\u0434\u043d\u044b\u0439 \u0434\u043e\u043a\u043b\u0430\u0434 F&amp;G. <a href=\"https:\/\/www.fglife.com\/news\/annual-risk-tracker-2025\">\u0422\u0440\u0435\u043a\u0435\u0440 \u0442\u043e\u043b\u0435\u0440\u0430\u043d\u0442\u043d\u043e\u0441\u0442\u0438 \u043a \u0440\u0438\u0441\u043a\u0443<\/a> \u041e\u043f\u0440\u043e\u0441 \u043f\u043e\u043a\u0430\u0437\u0430\u043b, \u0447\u0442\u043e 771 \u0440\u0435\u0441\u043f\u043e\u043d\u0434\u0435\u043d\u0442 \u0441\u0442\u0430\u043b\u0438 \u0431\u043e\u043b\u0435\u0435 \u043e\u0441\u0442\u043e\u0440\u043e\u0436\u043d\u044b\u043c\u0438 \u0432 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u0432\u043e\u043f\u0440\u043e\u0441\u0430\u0445 \u0437\u0430 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0439 \u0433\u043e\u0434.<\/p>\n<p>\u0422\u0440\u0435\u0432\u043e\u0436\u043d\u043e\u0441\u0442\u044c \u0431\u044b\u043b\u0430 \u00ab\u043d\u0430\u0438\u0431\u043e\u043b\u0435\u0435 \u0432\u044b\u0440\u0430\u0436\u0435\u043d\u0430\u00bb \u0441\u0440\u0435\u0434\u0438 \u043b\u044e\u0434\u0435\u0439 \u0432 \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0435 40 \u043b\u0435\u0442, \u043f\u0440\u0438 \u044d\u0442\u043e\u043c 81% \u0441\u043e\u043e\u0431\u0449\u0438\u043b\u0438 \u043e \u043f\u043e\u0432\u044b\u0448\u0435\u043d\u043d\u043e\u0439 \u0441\u043a\u043b\u043e\u043d\u043d\u043e\u0441\u0442\u0438 \u043a \u0438\u0437\u0431\u0435\u0433\u0430\u043d\u0438\u044e \u0440\u0438\u0441\u043a\u0430.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-concerns-about-the-future\">\u041e\u043f\u0430\u0441\u0435\u043d\u0438\u044f \u043f\u043e \u043f\u043e\u0432\u043e\u0434\u0443 \u0431\u0443\u0434\u0443\u0449\u0435\u0433\u043e<\/h2>\n<p>\u0425\u043e\u0442\u044f \u0431\u043e\u043b\u044c\u0448\u0438\u043d\u0441\u0442\u0432\u043e \u0440\u0430\u0431\u043e\u0442\u043d\u0438\u043a\u043e\u0432 \u043f\u043e-\u043f\u0440\u0435\u0436\u043d\u0435\u043c\u0443 \u0432\u043d\u043e\u0441\u044f\u0442 \u0432\u0437\u043d\u043e\u0441\u044b \u0432 \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u044b\u0435 \u043f\u043b\u0430\u043d\u044b, \u043f\u0440\u043e\u0431\u0435\u043b\u044b \u0441\u043e\u0445\u0440\u0430\u043d\u044f\u044e\u0442\u0441\u044f.<\/p>\n<p>\u041a\u043e\u043c\u043f\u0430\u043d\u0438\u044f Payroll Integrations \u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0438\u043b\u0430, \u0447\u0442\u043e 871 000 \u0440\u0435\u0441\u043f\u043e\u043d\u0434\u0435\u043d\u0442\u043e\u0432 \u0432\u043d\u043e\u0441\u0438\u043b\u0438 \u0432\u0437\u043d\u043e\u0441\u044b \u0432 \u043f\u043b\u0430\u043d\u044b, \u0441\u043f\u043e\u043d\u0441\u0438\u0440\u0443\u0435\u043c\u044b\u0435 \u0440\u0430\u0431\u043e\u0442\u043e\u0434\u0430\u0442\u0435\u043b\u0435\u043c, \u043d\u043e 271 000 \u0440\u0435\u0441\u043f\u043e\u043d\u0434\u0435\u043d\u0442\u043e\u0432 \u0438\u0437 \u043f\u043e\u043a\u043e\u043b\u0435\u043d\u0438\u044f \u0431\u044d\u0431\u0438-\u0431\u0443\u043c\u0435\u0440\u043e\u0432 \u044d\u0442\u043e\u0433\u043e \u043d\u0435 \u0434\u0435\u043b\u0430\u043b\u0438 \u2014 \u0432 \u0442\u0440\u0438 \u0440\u0430\u0437\u0430 \u0431\u043e\u043b\u044c\u0448\u0435, \u0447\u0435\u043c \u0441\u0440\u0435\u0434\u0438 \u043f\u043e\u043a\u043e\u043b\u0435\u043d\u0438\u044f X \u0438 \u043c\u0438\u043b\u043b\u0435\u043d\u0438\u0430\u043b\u043e\u0432.<\/p>\n<p>\u041e\u0431\u0435\u0441\u043f\u043e\u043a\u043e\u0435\u043d\u043d\u043e\u0441\u0442\u044c \u043f\u043e \u043f\u043e\u0432\u043e\u0434\u0443 \u0431\u0443\u0434\u0443\u0449\u0435\u0433\u043e <a href=\"https:\/\/www.housingwire.com\/articles\/house-funding-boost-social-security\/\">\u0421\u043e\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0435 \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u0435<\/a> \u041d\u0430\u0438\u0431\u043e\u043b\u044c\u0448\u0438\u0439 \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u0431\u0435\u0441\u043f\u043e\u043a\u043e\u0439\u0441\u0442\u0432\u0430 \u043d\u0430\u0431\u043b\u044e\u0434\u0430\u043b\u0441\u044f \u0441\u0440\u0435\u0434\u0438 \u043f\u043e\u043a\u043e\u043b\u0435\u043d\u0438\u044f X: 461 \u0447\u0435\u043b\u043e\u0432\u0435\u043a \u043e\u043f\u0430\u0441\u0430\u043b\u0438\u0441\u044c, \u0447\u0442\u043e \u043b\u044c\u0433\u043e\u0442\u044b \u0431\u0443\u0434\u0443\u0442 \u043d\u0435\u0434\u043e\u0441\u0442\u0443\u043f\u043d\u044b \u043f\u043e\u0441\u043b\u0435 \u0432\u044b\u0445\u043e\u0434\u0430 \u043d\u0430 \u043f\u0435\u043d\u0441\u0438\u044e. \u0421\u0440\u0435\u0434\u0438 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u0438\u0442\u0435\u043b\u0435\u0439 \u043f\u043e\u043a\u043e\u043b\u0435\u043d\u0438\u044f \u0431\u044d\u0431\u0438-\u0431\u0443\u043c\u0435\u0440\u043e\u0432 \u044d\u0442\u043e \u0431\u0435\u0441\u043f\u043e\u043a\u043e\u0439\u0441\u0442\u0432\u043e \u0440\u0430\u0437\u0434\u0435\u043b\u044f\u043b\u0438 \u043b\u0438\u0448\u044c 201 \u0447\u0435\u043b\u043e\u0432\u0435\u043a.<\/p>\n<p>\u0411\u043e\u043b\u0435\u0435 \u043f\u043e\u043b\u043e\u0432\u0438\u043d\u044b \u043e\u043f\u0440\u043e\u0448\u0435\u043d\u043d\u044b\u0445 \u0432 F&amp;G \u0437\u0430\u044f\u0432\u0438\u043b\u0438, \u0447\u0442\u043e \u043d\u0435 \u0440\u0430\u0431\u043e\u0442\u0430\u044e\u0442 \u0441 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u043c\u0438 \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0441\u0442\u0430\u043c\u0438. \u0420\u043e\u043d \u0411\u0430\u0440\u0440\u0435\u0442\u0442, \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440 \u043f\u043e \u0434\u0438\u0441\u0442\u0440\u0438\u0431\u0443\u0446\u0438\u0438 F&amp;G, \u043e\u0442\u043c\u0435\u0442\u0438\u043b, \u0447\u0442\u043e \u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u0446\u0438\u0438 \u043a\u0440\u0430\u0439\u043d\u0435 \u0432\u0430\u0436\u043d\u044b.<\/p>\n<p>\u00ab\u0412 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u043d\u0435\u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u044b\u0439 \u043f\u043b\u0430\u043d, \u043f\u043e\u0434\u043a\u0440\u0435\u043f\u043b\u0435\u043d\u043d\u044b\u0439\u2026\u00bb <a href=\"https:\/\/www.housingwire.com\/articles\/has-reverse-mortgage-momentum-among-financial-advisers-slowed\/\">\u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0441\u0442<\/a> \u00ab\u042d\u0442\u043e \u043d\u0438\u043a\u043e\u0433\u0434\u0430 \u043d\u0435 \u0431\u044b\u043b\u043e \u0442\u0430\u043a \u0432\u0430\u0436\u043d\u043e, \u2014 \u0437\u0430\u044f\u0432\u0438\u043b \u0411\u0430\u0440\u0440\u0435\u0442\u0442 \u0432 \u0441\u0432\u043e\u0435\u043c \u0437\u0430\u044f\u0432\u043b\u0435\u043d\u0438\u0438. \u2014 \u0414\u043e\u0432\u0435\u0440\u0435\u043d\u043d\u044b\u0439 \u0441\u043e\u0432\u0435\u0442\u043d\u0438\u043a \u043c\u043e\u0436\u0435\u0442 \u043f\u043e\u043c\u043e\u0447\u044c \u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u0430\u0442\u044c \u0434\u043e\u043b\u0433\u043e\u0441\u0440\u043e\u0447\u043d\u0443\u044e \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044e \u0432\u044b\u0445\u043e\u0434\u0430 \u043d\u0430 \u043f\u0435\u043d\u0441\u0438\u044e, \u043a\u043e\u0442\u043e\u0440\u0430\u044f \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0442 \u0431\u0430\u043b\u0430\u043d\u0441 \u043c\u0435\u0436\u0434\u0443 \u0437\u0430\u0449\u0438\u0442\u043e\u0439, \u0440\u043e\u0441\u0442\u043e\u043c \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u0430 \u0438 \u0433\u0430\u0440\u0430\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u043c \u0434\u043e\u0445\u043e\u0434\u043e\u043c, \u0447\u0442\u043e\u0431\u044b \u0438\u043d\u0432\u0435\u0441\u0442\u043e\u0440\u044b \u043c\u043e\u0433\u043b\u0438 \u0434\u0432\u0438\u0433\u0430\u0442\u044c\u0441\u044f \u0432\u043f\u0435\u0440\u0435\u0434 \u0441 \u0431\u043e\u043b\u044c\u0448\u0435\u0439 \u0443\u0432\u0435\u0440\u0435\u043d\u043d\u043e\u0441\u0442\u044c\u044e\u00bb.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Long-term retirement accounts are increasingly serving as sources of emergency funds as American workers confront rising costs and persistent financial anxiety, according to multiple recent studies. Surveys from Allianz Life Insurance, Payroll Integrations and F&amp;G Annuities and Life show Americans cutting back on retirement contributions and tapping savings meant for later life to cover immediate [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-62233","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Retirement accounts become emergency funds as financial stress rises - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.com\/ru\/retirement-accounts-become-emergency-funds-as-financial-stress-rises\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retirement accounts become emergency funds as financial stress rises\" \/>\n<meta property=\"og:description\" content=\"Long-term retirement accounts are increasingly serving as sources of emergency funds as American workers confront rising costs and persistent financial anxiety, according to multiple recent studies. 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