Sources Studies show that close to half of all Americans fear running out of money Americans fear running out of money during retirement, possibly because they are concerned about what will happen as the cost of social security increases and the program is eventually bankrupted. This chapter will show you some more ways to keep the money pump primed as you get ready to retire, and continuing into your retirement years. Remember, it is up to you to create your retirement income and stay on a disciplined path to get you there.