Virginians who work at low-wage jobs often don't have a workplace retirement plan so they can save money through payroll deductions.

A new study finds a similar gap between rural and urban workers, across the country.

The research by the Economic Innovation Group finds rural workers are less likely to have an employer-based retirement account compared to their urban counterparts.

Among high-income workers in both areas, the disparity narrows.

But overall, Sarah Eckhardt - a research associate with the Economic Innovation Group - said the gap between people in rural and urban settings who are offered a workplace retirement account is wide.

"Over half of full-time workers in rural areas do not have access to any kind of employer-based retirement plan," said Eckhardt. "This number is only 40% for people who live in urban areas. This is quite substantial and becomes even more salient when you look at the amount that people are actually able to save."

To help close the gap, Eckhardt's group is urging Congress to take up the Retirement Savings for Americans Act.

The bill would create retirement accounts for employees without one - and offer tax credits for lower-income workers as a matching contribution.

It has bipartisan support, but has sat in committee in Congress since 2023.

And it's about more than having a workplace retirement account. The disparity also includes how much people are able to save. The study found rural workers who do have a retirement plan have saved $55,000 less than their urban counterparts.

Eckhardt said the difference has real-world impacts on rural workers.

"Outside of retirement accounts, they tend to have fewer assets than people in urban places do, which means that they are less able to accumulate wealth and save for retirement," said Eckhardt. "Which could have consequences for how long they're in the labor force. Rural workers could be forced to work for more years than urban workers do, in order to make enough money to pay for their retirement years."

Eckhardt added that those gaps in retirement funds mean rural workers rely more heavily on Social Security -- and more frequently end up in poverty in their retirement years.



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The mayor of a rural Utah town said the clean energy investments and tax credits created by the Inflation Reduction Act are helping drive economic growth and diversify her town's energy portfolio.

Lenise Peterman, mayor of Helper, stressed tax credits have been vital for communities like hers as they help modernize their systems. But the budget reconciliation package now in Congress would eliminate major parts of Inflation Reduction Act funding, including clean energy investments.

Peterman said it could be detrimental to local people who have been able to harness the power of tax credits to grow their businesses.

"The jobs are there," Peterman emphasized. "We just need to ensure that we have the educational resources available - especially to people who may be transitioning out of a traditional coal plant or coal mining, to be able to step into those roles. But the roles are there."

She added while federal dollars in rural communities affect fewer people, their effect is triple that of urban communities. Peterman said the Inflation Reduction Act incentives will foster energy independence as power use and costs are projected to increase. Sen. John Curtis, R-Utah, has been an outspoken critic of sunsetting the credits.

Peterman pointed out Helper is in a unique position, since the town of about 2,200 residents owns and operates its own electric grid. It purchases power from transmission stations but Peterman said they face challenges due to the town's aging and limited infrastructure. She sees the tax credits as part of the solution.

"For me, it's about hardening the grid so that we can then incorporate other energy types, which I hope will drive costs down for the consumers," Peterman underscored. "Because now we'll have options and not be beholden to a single energy source."

Republican leadership in Congress is hoping to pass the big budget bill and have it signed by President Donald Trump before July 4. Peterman hopes politicians are able to reach consensus and do what is best for all, rural and urban alike.

"I'm hopeful that we can move past the partisan positions that people seem to be stuck in and do what's best for all of the people," Peterman added. "I really hope that comes to fruition."


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It is not just the weather or commodity prices farmers have to worry about. Many rural communities struggle to keep their roads and bridges in good shape, making farming life even harder and now, North Dakota is trying to correct the issue.

This year, state lawmakers have expanded eligibility for agriculture infrastructure grants awarded to towns with populations under 1,500.

Rob Schmidt, chairman of the Olivier County Commission and a rancher in Hensler, said it is welcome news because some local roads have self-imposed speed limits of 25 miles an hour because of the shape they are in, citing the effects from heavy truck traffic linked to a nearby refinery and an ethanol plant.

"Basically, there's no local money to fix that wear," Schmidt explained. "Any money that would come from the state would certainly be appreciated to help remedy that."

Schmidt, also a member of the North Dakota Farmers Union, is hopeful some jurisdictions in his part of the state are able to take advantage of the changes. Oliver County's total population is around 2,000, with the biggest town home to 500 people. The grant program was established in 2023.

Schmidt noted rebuilding roads and bridges could join other quality-of-life benchmarks his county is trying to highlight in the long-standing push to attract residents.

"We've got a very nice school here and we've got all the infrastructure in place in town to be thriving a lot more than we are," Schmidt emphasized.

He acknowledged even when a smaller town makes infrastructure improvements and attracts more industry, it does not always result in bigger population numbers. He said they have had issues in the past where people might take a new job in the area but still commute from elsewhere.

Rep. Susie Lee, D-Nev., said AM radio is essential to keeping Nevadans informed, especially in emergency situations, which is why she is one of many supporting the bipartisan AM Radio for Every Vehicle Act.

The legislation, which is under consideration in Congress, would require all new cars to maintain AM radio technology despite many having made the switch to now using satellite or internet services in their cars.

Lee said while AM radio does have a sense of nostalgia associated with it, it is also about ensuring people do not lose access to essential information, such as through the National Public Warning System.

"It plays such a vital role in our emergency infrastructure," Lee emphasized. "This country is moving towards digitalizing everything but ultimately there are instances where cell coverage goes out, where things go out, and having AM radios in cars is incredibly important."

Opponents of the bill feel mandating AM radio in all new cars without addressing the radio royalty issue for sound recordings is counterintuitive. Current U.S. copyright law does not provide artists with royalties when recordings are broadcast on AM and FM radio as it does on digital streaming services, which is why calls are being made to also consider the American Music Fairness Act.

Lee noted AM radio is highly important to rural and agricultural communities, relying on the service for things such as weather updates and other necessary information and Lee added they are not the only ones.

"We all know that cybersecurity is a key issue that we are dealing with, especially in an urban center like Las Vegas," Lee pointed out. "Making sure you have sort of that stalwart in cars that can be uninterrupted is really important."

Lee stressed it is not just about having what she calls "outgoing" sources of information, but also "incoming" information provided by people about what is happening on the ground. She added it was true during the 2017 Route 91 Harvest music festival mass shooting, which left 60 people dead and many others wounded.


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