Households in the United States struggle to save for retirement, and the problem is acute for low- to moderate-income (LMI) households. In 2022, the federal SECURE 2.0 Act created an expansive suite of policy approaches to facilitate saving in LMI households. This brief discusses key provisions of the act and presents findings from the Workforce Economic Inclusion and Mobility (WEIM) survey of a nationally representative sample of vulnerable workers in the United States. The findings suggest opportunities to improve upon the SECURE 2.0 Act’s provisions.
IMPLICATIONS for SECURE 2.0
This is the first research brief in a series examining the implications of the SECURE 2.0 Act for the retirement security of low-wage workers in the United States. All briefs in the Implications for SECURE 2.0 series can be found here.
Project: Retirement With Dignity
Citation
Roll, S., Despard, M., & Miller, S. (2025). Retirement plan access among low-wage workers in 2024: Implications for SECURE 2.0 (CSD Research Brief No. 25-10). Washington University, Center for Social Development. https://doi.org/10.7936/k2wj-8b08