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More and more individuals find it challenging to retire by age 65. A survey conducted by the American Association of Retired Persons (AARP) on 1,026 adults age 35 and older shows longer expectancy of employment beyond traditional retirement age. Most participants were full-time workers who simply cannot afford the cost of living if retired by 65. Financial uncertainties as well as health factors creates great stress for many adults working in later stages of life. As noted by AARP, “Indeed, 11 percent of these respondents say they expect to keep working into their 80s or beyond.” Employees and business owners are remaining in the workforce past retirement age in attempt to support health and living expenses. Consequently, retiring by age 65 is becoming less popular for older adults in today's society.
You’ve invested years into the workforce and are now considering retirement. What factors drive some people to retire sooner or later in life? Is there a specific age-range that’s best to retire? Planning for retirement is unique for each individual’s situation and goals. Optimal timing for retirement depends on the person’s needs, aspirations, and financial position. It’s important to maintain flexible and open to new possibilities when planning for retirement.
With a shortage in social security pensions and weak 401(K)’s, many seniors are compelled back into the job-market. Fortunately, there are vast resources available for retiree’s seeking a suitable occupation. Organizations such as Senior Job Bank, American Association of Retired Persons (AARP), and Retiree Workforce, provide job-listings and other valuable tools for pursuing employment.