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Choosing to retire early is a far-off dream for many hard-working Americans.
In fact, it's more like a fantasy for the one in two who told Allianz they'd retire immediately (1) if they won a lottery.
Most workers plan to work straight through to 65 or beyond.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 —6 ways to build wealth like a landlord without actually being one JPMorgan still sees gold hitting $5,000/oz by Q4 — and savvy investors are protecting their wealth with a tax-advantaged Gold IRA.Learn more with a free guidefrom Priority Gold The tax breaks in Trump's 'big beautiful bill' expire after 2028 — and experts say most people won't act in time.What to do before the window closes "Working longer can make great sense," she wrote (2) in a recent blog post.
"You can keep your retirement savings growing longer, tap into less earlier, and perhaps even continue to save more." But she warns it's also a risky strategy.
While you may not choose to retire early, you may be forced to — through restructuring, an unexpected health diagnosis or family circumstances.
Orman cites an Employee Benefit Research Institute (EBRI) 2026 Retirement Confidence Survey that found that while most people plan to retire at 65, the median retirement age is 62.
She — and Craig Copeland, EBRI's Director of Wealth Benefits Research — have some tips on how to prepare.
Moneywise reached out to Copeland to learn about the disconnect between expectations and reality.
EBRI has been conducting retirement surveys since 1990, and the findings are consistent, with a significant number of Americans forced into early retirement — up to 50% this year.
Still, most Americans don't think it will happen to them.
| Product | Price | Change |
|---|---|---|
| Brent Crude | $102.14/bbl | +0.34% |
| WTI Crude | $96.90/bbl | +0.21% |
| EN590 Diesel | $846/MT | +0.18% |
| Jet Fuel A-1 | $1090/MT | +0.55% |
| Mazut M100 | $450/MT | -0.15% |
| Bitumen 60/70 | $470/MT | +0.08% |
| Sulphur Gran 99.5% | $470/MT | -0.44% |
| Urea 46% Gran | $650/MT | +1.12% |
| NPK 16-16-16 | $460/MT | -0.28% |
| Nat Gas TTF | $15.42/MMBtu | +0.92% |
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