Denmark, Debt, and Decades of Retirement: Your July Longevity Briefing

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Savvly Inc.
July 15, 2025 • Reading Time: 7 minutes

The U.S. Is Taking On More Short-Term Debt, Here’s Why It Matters Long-Term

The U.S. Treasury just announced plans to issue a surge of short-term debt, also known as T-bills, to help cover a projected $3.4 trillion federal deficit. That means a wave of auctions is coming, with the government borrowing more money than usual in short bursts to keep things running smoothly.

If you’re planning for retirement or planning to help others do so, this kind of borrowing affects the entire financial ecosystem. Interest rates on savings accounts, bond yields, and the cost of borrowing can all shift in response. That means your nest egg, especially if it's parked in low-risk assets, could either benefit or take a hit depending on how the debt impacts markets.

But there’s a bigger picture: As our population lives longer and retires later, financial security depends on long-term thinking. And when the government leans on short-term debt, it can add instability to programs and policies retirees count on, like Social Security, Medicare, or inflation protections.

Longevity planning isn’t just personal, it’s deeply connected to national policy. And big moves like this one ripple through every layer of the system.

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Denmark’s Quality of Life Makes It a Top Retirement Spot

When you look at global retirement destinations, Denmark consistently ranks near the top, thanks to its blend of universal healthcare, income stability, and overall quality of life. According to World Population Review, Denmark is listed among the best countries to retire in 2025, alongside Portugal, Spain, and Australia, highlighting its strong appeal for longevity-focused living.

What sets Denmark apart? Retirees enjoy consistent public services, a robust social safety net, and dependable government benefits, not just for the next five years, but the next thirty. That peace of mind encourages older adults to invest in their health, engage with community life, and spend confidently.

By comparison, the U.S. ranks 22nd on a similar index tracking retirement security, falling behind Nordic countries on healthcare access and retirement readiness. That gap highlights a reality: if life is extending, so should our approach to financial and social infrastructure, no matter where you retire.

Americans Are More Worried About Running Out of Money Than Dying

It might sound dramatic, but it’s true: according to recent BlackRock insights, more Americans fear running out of money in retirement than they do dying. And honestly, it makes sense.

Life expectancy in the U.S. is climbing again, now nearing 79, with many living well into their 90s. That’s a lot of time to cover without guaranteed income. Yet nearly half of today’s retirees say their expenses are higher than they expected, while just 56% of workers feel confident their savings will last.

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The traditional model of retirement, one part Social Security, one part pension, one part personal savings, is breaking down. With pensions disappearing and healthcare costs rising, most people are left trying to DIY a 30-year retirement plan. And that’s tough when you’re juggling volatility, inflation, and uncertainty.

BlackRock’s latest report calls for a shift: toward solutions that provide income you can count on, not just assets you hope will last. As lives stretch longer, retirement strategies need to stretch too: building stability, flexibility, and peace of mind into the decades ahead.

Savvly Updates: Longevity Is Trending… and So Are We

Savvly has been featured in Yahoo Finance, Morningstar, and more following our latest press release, and the message is clear: people are living longer, and it’s time for workplace benefits to catch up.

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That’s why we’re offering a new kind of support: a longevity benefit. It’s not a retirement plan, and it’s not insurance; it’s an extra layer of financial security that kicks in later in life, designed to supplement traditional savings and retirement income.

Think income starting in your 80s, 90s, and beyond, right when most traditional plans begin to run dry. This is about giving employees peace of mind for a longer, fuller retirement. And for employers, it’s a smarter, more modern way to show you’ve got your team’s back for the long haul.

The Good & Bad News of the Week

Good: The S&P 500 and Nasdaq hit fresh record highs, up 26% since April. Strong job growth and easing tariffs are giving investors plenty to smile about.

Bad: The U.S. dollar just had its worst first-half performance since 1973, dropping 6.2%. That could mean pricier imports, more market volatility—and bigger challenges for long-term retirement planning.

Before We Go

Retirement planning isn’t about reacting to headlines; it’s about building a flexible strategy that holds up over decades. Whether it’s shifting interest rates, changing lifespans, or evolving benefits, the future is always in motion.

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Over and out,

Team Savvly