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MarketWatch
‘Working longer is not a realistic cure for retirement insecurity.’ Time to get real about how long you’ll really work.
Financial advisers and retirement coaches often have two words for people in their 50s and 60s concerned about retirement: Work longer. Doing so, they say, can boost their savings, help them receive larger Social Security benefits by delaying claiming them and provide something to do in unretirement. “As it currently stands, working longer is not a realistic cure for retirement insecurity for many Americans,” write Lisa F. Berkman, director of the Harvard Center for Population and Development Studies, and Beth C. Truesdale, a sociologist and research fellow at the W.E. Upjohn Institute for Employment Research and a visiting scientist at Berkman’s center.
