Key Points Recent data shows that reveals that 35% of Americans today are delaying retirement or plan to do so. Insufficient savings and inflation are two driving factors. There are strategies you can use to overcome these hurdles and retire on schedule. The $23,760 Social Security bonus most retirees completely overlook › The U.S. does not have an official retirement age. You're allowed to withdraw from your IRA or 401(k) plan penalty-free starting at age 59 1/2. You can claim Social Security b ...