The new retirement calculus

Source: Albert Bozzo,

The catch phrase "golden years" may soon be retired: For many, retirement will be more a state of mind than a stage of the life cycle. Simply put, this is not your parents' retirement — or your grandparents' for that matter. Chances are you'll be working long past age 65, if you can find a job. And you'll probably be worried about having enough money to finally stop working. Senior citizens, retired or not, are reshaping the American population; by 2020, the number of people age 65 and older will equal that of children in kindergarten through 12th grade. The graying of the baby boom generation happens to coincide with a steady and marked extension of life-expectancy rates, and what some see as fundamental changes in the labor force.

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