An emergency fund is likely to be extremely helpful to people who find themselves retiring ahead of schedule. "You can have your ducks in a row by living below your means and saving well, so if something happens, you've got a cushion and are not desperate," Chadwick says. "Try not to live paycheck to paycheck, and only carry good debt, such as mortgage, tuition and low-rate car loans."
While you may want to keep working during the traditional retirement years to finance a better lifestyle, there's a reasonable possibility that you might not get to choose when you retire, and this should be factored into your retirement preparations. "People would be much better off planning as if they will be unable to work in retirement," says Greg Burrows, senior vice president for retirement and investor services at Principal Financial Group, an underwriter of the EBRI survey. "If they get to retirement and can work, then they have that option, and that's a bonus opportunity."
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最近一项盖洛普民意调查显示,美国人退休年龄将从2002年的63岁增长至66岁,但大多数临退休人员难以坚守岗位。
调查发现,美国平均退休年龄为62岁——这也是最近的趋势。而过去十年里,平均退休年龄一直在60岁徘徊。
“美国人提倡延迟退休可能出于两层考虑。一是财务问题,由于养老金减少,美国人觉得有必要延长工作年限;其次,现在人们的工作心理更加健康。”弗兰克•纽波特评论道,他是盖洛普民意测验主编。但计划延长工龄并不意味着能工作到古稀之年。
【为何美国人不能按理想年龄退休?】相关文章:
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