"Social Security remains the mainstay of retirement income for most older Americans, while only about one in three receive regular payments from pensions and retirement savings. Social Security accounts for about four out of every five dollars of income for older people with low to moderate incomes. Earnings as a source of older people's income have risen steadily over the past two decades, while income from assets has fallen. Older minorities are less likely to have income from Social Security, pensions and retirement savings, interest, and dividends."