Retirement ages vary across the country, but the bigger question is whether finances can cover the years ahead. Some states see workers step away in their early 60s. Others push closer to 65. But that number alone doesn’t show if the timing matches what’s in the bank. A study by John Stevenson helps fill in the gap by calculating how many “years to retire” it takes in each state. The formula divides a retirement goal by annual savings potential, which is wages minus expenses plus self-reported savings. Be ...

If you earn $100,000 a year and want to maintain that income into retirement, plus account for inflation, how much would you actually need to save? That’s the question Eric, a GOBankingRates reader, recently submitted as part of our Top 100 Money Experts series. To help answer it, we turned to Jamie Hopkins, CEO of Bryn Mawr Trust Advisors, chief wealth officer for WSFS Bank and a Wall Street Journal best-selling author. Learn More: I Help People Retire Every Day — Here’s the Most Common Retirement Mistake ...

退休年龄趋势 - 1991年社会保障完全退休年龄为65岁而平均退休年龄为57岁 目前完全退休年龄约为67岁而平均退休年龄为62岁[1] - 预期退休年龄67岁与实际退休年龄62岁之间存在差距 主要归因于健康问题、护理需求及裁员等因素[2] 退休决策影响因素 - 家庭经济支柱建议延迟至完全退休年龄或之后退休 可增加家属幸存者福利额度[5] - 健康问题人群倾向于提前申领福利 因预期寿命较短可通过早期申领实现福利最大化[6] - 当前美国平均退休年龄为62岁 完全退休年龄为67岁（1960年后出生人群） 延迟至70岁申领可获取最高月福利[8] 退休方案选择策略 - 提前退休（62岁）会减少月度福利金额 但适合需要即时收入支撑退休生活的人群[7] - 完全退休年龄（66-67岁）可获取全额福利 退休前需完全依赖储蓄覆盖支出[9] - 延迟退休（70岁）能获得基于工作历史的最高福利 适合储蓄起步晚、高成本生活区域居住或有遗产规划需求的人群[9]