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 ...