“PBS had a recent article about retirees who stay in the work force beyond age 65. It interviewed economists. What it did not do was provide statistics on how many Americans work until age 75. The answer is: hardly any.  Most Americans do not have enough savings. They retire anyway. Most Americans believe in the tooth fairy: the federal government. They think the checks will keep coming. They will not budget. They will spend their $120,000 long before they die. Then what?”