Retirement, as we know it today, is a fairly recent cultural creation that began with the Social Security act of 1935. Before that, people worked as long as they were able and/or had financial need, and life expectancy was 60.7 years. Now, however, Americans can expect to live to 78.8 years, on average, and at age 65, give or take 5-10 years, they retir…
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