June 24, 2026, 5:04 a.m. ET You've saved it, but how do you spend it? Millions of Americans are well-versed in how to save in their 401(k) plans – everything from contributing regularly to securing company matches – but they have no real plan for turning those savings into income that will last, a survey of more than 2,100 workers by Nuveen and the TIAA Institute showed.