I wish. I am 64, got laid off in 2009 at 58. I was good at what I did, but in an economically depressed area, nobody wanted to hire an older person who would only plan to retire in a few years. I received 99 weeks of unemployment, and as that ended I turned 63.5; the age I could start taking out of my 401-k. I had…

I’m with you. I err on the side of only being able to count on personal savings. I’m sure we’ll come up with something for social security, I can’t see generations not having anything, but I’d rather not count on it and focus on what I can control, which is saving.

You are not taking into consideration the fact that people can be disabled before they are 65. I survived an accident at age 61. Lost my job because I physically could not perform it for at least 6 months, was not eligible for unemployment because I could not work at that time, and used my savings. At 62 I unhappily…

Why even imply that people would retire at 62? Official retirement age is 65 and if it hasn’t already been, will in the near future be pushed out to 70. Frankly, if you retire before that, in my opinion, it should be on your OWN dime, not social security. There also needs to be an income cutoff where if you have a…

Somewhat true... But being intelligent about money is a good way to relieve a lot of the stress you might otherwise be bringing on yourself.