美国退休年龄与社保福利 - 美国没有法定退休年龄，62岁是领取社保的最早年龄[1] - 对于1960年或之后出生的人，67岁是全额退休年龄，可领取未打折扣的月度社保支票[1] - 65岁通常是医疗保险资格的起始年龄[2] 延迟退休的潜在问题 - 延迟退休虽可增加储蓄机会并让现有储蓄继续增长，例如将25万美元的IRA储蓄保留至70岁[4][5] - 但持续全职工作并非对所有人都可行，雇主裁员可能导致60多岁员工难以找到新全职工作[6] - 健康问题可能阻碍全职工作能力，即使有条件继续工作也可能损害健康[7] 替代解决方案的探索 - 持续全职工作并非弥补储蓄不足的最佳或最可持续方式[3] - 存在其他更可持续的途径来解决储蓄不足的问题[3][8]

When it comes to retirement, timing is everything. If you leave the workforce too early, you could increase the chances of outliving your savings. And if you retire too late, you may find yourself more exposed to age-related health risks with less time to enjoy your golden years. Must Read According to the 2024 MassMutual Retirement Happiness Study, most American retirees and pre-retirees consider 63 to be the ideal age for retirement [1]. With an average retirement age of 62 — which coincides with th ...