{"id":615094,"date":"2024-03-31T05:04:34","date_gmt":"2024-03-31T02:04:34","guid":{"rendered":"https:\/\/en.buradabiliyorum.com\/experts-say-that-boomers-might-never-retire-heres-why\/"},"modified":"2024-03-31T05:04:34","modified_gmt":"2024-03-31T02:04:34","slug":"experts-say-that-boomers-might-never-retire-heres-why","status":"publish","type":"post","link":"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/","title":{"rendered":"#Experts Say That Boomers Might Never Retire \u2014 Here&#039;s Why"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a36513095716\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #dd3333;color:#dd3333\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #dd3333;color:#dd3333\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a36513095716\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#Not_So_Golden_Years\" >Not So Golden Years<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#1_Parents_Support_Their_Adult_Children\" >1. Parents Support Their Adult Children<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#2_Were_Living_Longer\" >2. We&#8217;re Living Longer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#3_Education_Costs_More\" >3. Education Costs More<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#4_Student_Debt_Has_Exploded\" >4. Student Debt Has Exploded<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#5_Employer_Benefits_Have_Withered\" >5. Employer Benefits Have Withered<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#6_People_Dont_Know_How_to_Invest\" >6. People Don&#8217;t Know How to Invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#7_Social_Security_Doesnt_Buy_as_Much\" >7. Social Security Doesn&#8217;t Buy as Much<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#8_The_Gig_Economy_Has_Hurt_Retirement_Savings\" >8. The Gig Economy Has Hurt Retirement Savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#9_Bond_Yields_Are_Low\" >9. Bond Yields Are Low<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#10_Divorce_After_50_Has_Increased\" >10. Divorce After 50 Has Increased<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#11_Recurring_Expenses_Have_Increased\" >11. Recurring Expenses Have Increased<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#12_Home_Ownership_Has_Been_Delayed\" >12. Home Ownership Has Been Delayed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#13_Homes_Cost_More\" >13. Homes Cost More<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#14_The_Big_House_Trend_Caught_On\" >14. The Big House Trend Caught On<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#15_Health_Care_Is_a_Bigger_Expense\" >15. Health Care Is a Bigger Expense<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#16_Long-Term-Care_Costs_Are_Increasing\" >16. Long-Term-Care Costs Are Increasing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#17_Lifestyle_Factors_Are_Expensive\" >17. Lifestyle Factors Are Expensive<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#18_Salaries_Have_Not_Kept_Up_With_Cost_of_Living\" >18. Salaries Have Not Kept Up With Cost of Living<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#19_Overall_Cost_of_Living_Is_Higher\" >19. Overall Cost of Living Is Higher<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#20_People_Start_Contributing_to_Retirement_Funds_Later_in_Life\" >20. People Start Contributing to Retirement Funds Later in Life<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#21_People_Use_Outdated_Investment_Strategies\" >21. People Use Outdated Investment Strategies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#22_Credit_Card_Debt_Has_Skyrocketed\" >22. Credit Card Debt Has Skyrocketed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#23_People_Make_More_Job_Changes_Than_in_the_Past\" >23. People Make More Job Changes Than in the Past<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#24_Many_Older_Americans_Were_Not_Conditioned_to_Save_for_Retirement\" >24. Many Older Americans Were Not Conditioned to Save for Retirement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#25_People_Are_Unsure_How_Much_Theyll_Need_for_Retirement\" >25. People Are Unsure How Much They&#8217;ll Need for Retirement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/buradabiliyorum.com\/en\/experts-say-that-boomers-might-never-retire-heres-why\/#More_From_Cheapism\" >More From Cheapism<\/a><\/li><\/ul><\/nav><\/div>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/eb80f95ec8ba6118abe023e02afb040d\" alt=\"Portrait of serious senior Hispanic couple standing outside house.\" data-uuid=\"cd62c3ed-c81d-35d6-bc10-d25cd25aa134\"><figcaption>kali9\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Not_So_Golden_Years\"><\/span>Not So Golden Years<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>At one time in our history, retirement was a given, an all-but-assured final chapter after years of working hard. While some people might choose to work past 65, many look forward to leaving the workforce. Today, enjoying one&#8217;s golden years work-free has become an unattainable dream for many \u2014 even if you find a great place to retire. After the coronavirus made the prospect of retiring dimmer, <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:1;pos:1\" href=\"https:\/\/www.cnbc.com\/2022\/05\/25\/how-to-prioritize-your-financial-goals-with-adult-kids-living-at-home.html\">this survey<\/a> says adult kids are also keeping seniors hard (and unh<a href=\"https:\/\/buradabiliyorum.com\/en\/category\/download-scripts-themes-apps\/\" data-internallinksmanager029f6b8e52c=\"9\" title=\"Download Scripts &amp; Themes &amp; Apps\" target=\"_blank\" rel=\"noopener\">app<\/a>ily) at work. Here&#8217;s a closer look at what&#8217;s impacting our ability to retire based on input from financial experts across the country.<\/p>\n<p><strong><em>Editor&#8217;s Note: This story was updated in March 2024.<\/em><\/strong><\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/c7648c0ef34a9ab44dce088e14ad2bfa\" alt=\"happy senior woman with and adult daughter in the kitchen\" data-uuid=\"6ecbca42-e470-3436-9e05-76eada83481a\"><figcaption>GrapeImages\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"1_Parents_Support_Their_Adult_Children\"><\/span>1. Parents Support Their Adult Children<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sam Sweitzer, chartered financial analyst and founder of Atlanta-based investment consulting firm <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:2;pos:1\" href=\"https:\/\/ansonanalytics.com\/\">Anson Analytics<\/a>, says he&#8217;s witnessed a growing trend of parents still supporting their adult children. According to the <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:3;pos:1\" href=\"https:\/\/www.pewsocialtrends.org\/2015\/05\/21\/5-helping-adult-children\/\">Pew Research Center<\/a>, 61% of American parents have provided financial help (ranging from assistance with recurring expenses to funding special purchases) to an adult child, and a recent <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:4;pos:1\" href=\"https:\/\/www.cnbc.com\/2022\/05\/25\/how-to-prioritize-your-financial-goals-with-adult-kids-living-at-home.html\">study by Thrivent<\/a> says about 40% of parents currently have an adult child living with them. Ultimately, these handouts mean parents can&#8217;t put that money toward retirement.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/5ac57214188fe8adc2fd54a850b07f48\" alt=\"senior African-American woman wearing sunglasses\" data-uuid=\"1903b9cd-43a6-3891-9ff7-4273160cccdb\"><figcaption>kali9\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"2_Were_Living_Longer\"><\/span>2. We&#8217;re Living Longer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>People are living longer than they once did, which means having to save for a longer lifespan in retirement, says Danielle Roberts, a Medicare expert and co-founder of <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:6;pos:1\" href=\"https:\/\/boomerbenefits.com\/\">Boomer Benefits<\/a>. &#8220;Our retirement savings must factor in housing expenses, utilities, lifestyle and healthcare costs, which many Americans just aren&#8217;t prepared for financially by the time they reach 65,&#8221; she says.\u00a0<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/ffa44c4a97b0313115ed3e4ba08a4f08\" alt=\"university students moving boxes outside of dorm on campus\" data-uuid=\"d5b0c515-e521-361c-b3cc-fc7a736008b1\"><figcaption>YinYang\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"3_Education_Costs_More\"><\/span>3. Education Costs More<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>One of the biggest reasons retirement is harder now than in prior generations is the spiraling cost of higher education, says David Flores Wilson, a certified financial planner, chartered financial analyst, certified divorce financial analyst, and editor of <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:8;pos:1\" href=\"https:\/\/www.planningtowealth.com\/\">Planning to Wealth<\/a>. &#8220;The cost of college is dramatically higher than inflation over the last several decades, and many families have prioritized paying for putting their kids through the college of their choice over their own retirements,&#8221; Wilson says.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/2943b8fc2a0f87533e2580e5c35cc361\" alt=\"\" data-uuid=\"f6dfefd4-011c-3aad-9312-fc348e8c16a7\"><figcaption>RapidEye\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"4_Student_Debt_Has_Exploded\"><\/span>4. Student Debt Has Exploded<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A challenge that goes hand in hand with the skyrocketing cost of college tuition is the associated student loan burdens that burdens both parents and graduates. In fact, a recent study found that parents are putting off retirement in order to pay for student loans. &#8220;Student loan debt stands at $1.6 trillion today,&#8221; says Flores Wilson of Planning to Wealth. &#8220;With parents and students taking on higher and higher debt balances, life goals like buying a home and retirement are pushed further back.&#8221;<\/p>\n<p><strong>Related:<\/strong> Student Loan Debt Across America: Where Does Your State Rank?<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/cad5a24faccc5b569f6d4dbd5ad5ef65\" alt=\"company employee benefits manual opening to outline employment occupation package\" data-uuid=\"7b350891-abb6-3233-ab8f-4790adcd5aa6\"><figcaption>YinYang\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"5_Employer_Benefits_Have_Withered\"><\/span>5. Employer Benefits Have Withered<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Companies have largely shifted the burden of investing and saving for retirement from defined-benefit pension plans, which guarantee a certain level of income, to defined-contribution plans, which make employees responsible for funding retirement. In 1998, 59% of current Fortune 500 companies offered a defined-benefit plan to new hires; by 2017, that number had plummeted to 16%, according to a study by <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:11;pos:1\" href=\"https:\/\/www.willistowerswatson.com\/en-US\/Insights\/2018\/02\/evolution-of-retirement-plans-in-fortune-500-companies\">Willis Towers Watson<\/a>. Instead of being able to rely on a stable source of income during their golden years, most people working outside the public sector are responsible for their own retirement savings.<\/p>\n<p><strong>Related:<\/strong> 30 Ways Your Employer Could Be Cheating You<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/875464871a1811bf34d588ec460a9208\" alt=\"empty piggy bank turned upside down\" data-uuid=\"c3cfd2c7-9910-316b-88f1-db71ae5d697c\"><figcaption>Floortje\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"6_People_Dont_Know_How_to_Invest\"><\/span>6. People Don&#8217;t Know How to Invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The challenges associated with employees now being responsible for funding their own retirement are compounded by a lack of investing education. &#8220;The vast majority of employees haven&#8217;t been properly educated on how to invest and save for themselves through their 401(k) and other non-pension company retirement plans and now face an uphill climb to retirement,&#8221; says Flores Wilson of Planning to Wealth.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/0b6290203d87e0f8047dbbf4fa528d26\" alt=\"Social Security card\" data-uuid=\"ab455dd2-23e9-39d5-b96f-e04694742a07\"><figcaption>Peterfactors\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"7_Social_Security_Doesnt_Buy_as_Much\"><\/span>7. Social Security Doesn&#8217;t Buy as Much<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The buying power of Americans&#8217; <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/social-mediaa\/\" data-internallinksmanager029f6b8e52c=\"1\" title=\"Social Media\" target=\"_blank\" rel=\"noopener\">Social<\/a> Security benefits has been declining significantly over the past two decades, says Brian Davis, co-founder of <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:14;pos:1\" href=\"https:\/\/sparkrental.com\/\">Spark Rental<\/a>, a site focused on financial independence. In fact, Social Security beneficiaries have lost 33% of their buying power since 2000, according to the <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:15;pos:1\" href=\"https:\/\/seniorsleague.org\/assets\/Report51419-LOBP-FINAL.pdf\">2019 Social Security Loss of Buying Power Study<\/a> conducted by The Senior Citizens League. &#8220;As Social Security marches closer toward insolvency, they&#8217;ve slimmed their cost-of-living adjustments (COLAs) considerably,&#8221; says Davis.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/5ccd033aa2556ff8c76e5887f87e4bda\" alt=\"carpenter sweeping carpentry in wood shop\" data-uuid=\"0275b7b6-230d-35d7-9590-4308c349a1db\"><figcaption>MesquitaFMS\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"8_The_Gig_Economy_Has_Hurt_Retirement_Savings\"><\/span>8. The Gig Economy Has Hurt Retirement Savings<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Gig economy jobs may be great as a source of back-up or additional income, helping people do everything from making ends meet on a daily basis to paying down debt. However, one of the drawbacks of such jobs is that they don&#8217;t offer retirement any benefits, says Brian Davis of Spark Rental.\u00a0<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/345602d4f762f562ec58a51eaa458154\" alt=\"serious frustrated middle aged woman troubled with domestic bills\" data-uuid=\"5df262d8-b0e6-304e-8886-eeaf7575dfe6\"><figcaption>fizkes\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"9_Bond_Yields_Are_Low\"><\/span>9. Bond Yields Are Low<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Conventional wisdom has been that as one ages, it&#8217;s a good idea to reduce investment risks associated with one&#8217;s retirement portfolio. Often this is done by shifting from stocks to bonds, says Robert Johnson, professor of finance at Heider College of Business, Creighton University. &#8220;However, the low bond yield environment that has existed since the financial crisis has made it more difficult for investors to provide for their retirements by investing in bonds,&#8221; says Johnson. Current 30-year and 10-year bond yields are hovering around  2.38% and 1.63%, respectively. &#8220;It&#8217;s difficult to accumulate funds for retirement by investing in bonds with such low returns.&#8221;<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/ef8060141b1d8648fac4960a31277c1a\" alt=\"seniors with close-up of documents\" data-uuid=\"7861248a-c894-3b25-8561-d706a9493797\"><figcaption>KatarzynaBialasiewicz\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"10_Divorce_After_50_Has_Increased\"><\/span>10. Divorce After 50 Has Increased<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While the overall rate of divorce in the United States has declined over the past 20 years, it&#8217;s on the rise among the 50-plus demographic. &#8220;Getting divorced after age 50 or 60 has a significant impact on the ability to retire,&#8221; says Renee Senes, a <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:17;pos:1\" href=\"https:\/\/www.senesandchwalek.com\/\">certified divorce financial analyst<\/a>. &#8220;Plans that were dependent on supporting one household with two Social Security checks, a 401(k), and perhaps a pension are decimated when people divorce later in life.&#8221; Add living longer to the mix and there&#8217;s simply not enough working years left to recoup the savings divided in a divorce. The result: a population that will need to work longer in order to be able to retire, Senes says.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/3b85c2a691ab7e4038f810c5cea728fb\" alt=\"mature businessman working at cafe with laptop and mobile\" data-uuid=\"5397a199-2bfe-3721-9eee-c0bd10930cce\"><figcaption>Ridofranz\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"11_Recurring_Expenses_Have_Increased\"><\/span>11. Recurring Expenses Have Increased<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>From Netflix to Amazon Prime, Americans have grown to love their many conveniences and memberships, says <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:20;pos:1\" href=\"https:\/\/wisdomwithinct.com\/\">Katie Ziskind<\/a>, a licensed marriage and family therapist. Ziskind suggests these expenses are adding up and eating away at our bottom line. &#8220;One reason that retirement is so hard is that now we have a ton of recurring monthly expenses through subscriptions that often push people over their budget,&#8221; she says.<\/p>\n<p>Looking to cut those extra expenses? Here&#8217;s How to Reduce Your Monthly Bills When Money Is Tight.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/0dab066af09c0b03f9430f7ecfc4e57a\" alt=\"man signing tenancy agreement\" data-uuid=\"2c580c09-5d0c-3230-b272-e3e8ccc3dc03\"><figcaption>glegorly\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"12_Home_Ownership_Has_Been_Delayed\"><\/span>12. Home Ownership Has Been Delayed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>For many Americans, a home is their single biggest asset, and often helps secure retirement. Ryan Fitzgerald, owner of <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:22;pos:1\" href=\"https:\/\/www.raleighrealtyhomes.com\/\">Raleigh Realty<\/a>, has witnessed a growing trend of people not buying homes or waiting until after 65 to do so, which can impact one&#8217;s retirement nest egg. &#8220;Not purchasing a home makes retirement far more difficult, especially when over 40% of Americans have no retirement funds at all,&#8221; Fitzgerald says. &#8220;If you don&#8217;t own a home, you had better have very strong retirement savings, because corporate pensions are far and few between these days.&#8221; Those who wait until after 60 to purchase a home miss out on years of building equity or the possibility of paying off the mortgage by retirement.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/5cb3b2297590da9143449268b3cfcee9\" alt=\"woman checking out house for sale in the city downtown\" data-uuid=\"f59ea5f2-f742-35be-9e17-63e35f505b14\"><figcaption>LeoPatrizi\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"13_Homes_Cost_More\"><\/span>13. Homes Cost More<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Jaquetta Ragland, creator of the site <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:24;pos:1\" href=\"https:\/\/youngandfinance.com\/\">Young and Finance<\/a>, suggests skyrocketing home prices are also to blame for Americans&#8217; inability to retire. &#8220;Statistics say home prices continue to rise as supply decreases and demand increases,&#8221; she says. &#8220;Although a retiree can sell their home and make a profit, they will likely have to put that money into a new home. Unfortunately, the new home will take a large chunk of their profit.&#8221;<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/2cea170c833c8516d72abb5d848b1e7b\" alt=\"arrow shaped home for sale sign in front of large home\" data-uuid=\"b24a1e65-bea6-3e9b-b777-2560dc0bc3e1\"><figcaption>RichLegg\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"14_The_Big_House_Trend_Caught_On\"><\/span>14. The Big House Trend Caught On<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In many other parts of the world, it&#8217;s common to live in a budget-friendly apartment. But in this country, big houses are part of the American dream. However, that often amounts to buying too much house \u2014 and far more than the owner can truly afford.<\/p>\n<p>Thinking of downsizing? Here are 30 Things Every Retiree Should Get Rid Of.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/0273cbdfef8572e7910a932e9dc55831\" alt=\"credit card on a hospital invoice\" data-uuid=\"9e523e05-aee3-3b18-a484-a385055c016a\"><figcaption>DNY59\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"15_Health_Care_Is_a_Bigger_Expense\"><\/span>15. Health Care Is a Bigger Expense<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Health care costs are another major reason why retiring is harder now than it used to be, says Danielle Roberts of Boomer Benefits. &#8220;As Americans become more aware of the reality of what healthcare will cost in retirement \u2014 many people are terrified to retire at 65 because they simply don&#8217;t have the means to do so,&#8221; she says. &#8220;As of 2019, Fidelity Investments reported that the average couple retiring at 65 will need to have $300,000 saved for healthcare expenses alone. We often find that many baby boomers planning to retire have to change their plans due to the fact they didn&#8217;t save for the cost of healthcare.&#8221; Ironically, moving abroad may mean better health care for less.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/9ff72a2fda31de36709621886fddf2c1\" alt=\"senior woman with walker in a care home\" data-uuid=\"d858d80b-a213-314b-a9a1-8437804a8e90\"><figcaption>SolStock\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"16_Long-Term-Care_Costs_Are_Increasing\"><\/span>16. Long-Term-Care Costs Are Increasing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Long-term care is an expense not typically factored into healthcare costs. Yet it&#8217;s another rapidly increasing line item associated with retirement, especially now as people are living longer. And as this potential cost increases, it makes it harder for people to retire. In fact, in 2021 the annual cost of an assisted living facility is about $4,300 per month, while the cost of a private room in a nursing home was about $8,800 per month, according to the <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:32;pos:1\" href=\"https:\/\/www.genworth.com\/aging-and-you\/finances\/cost-of-care.html\">Genworth Cost of Care Survey<\/a>.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/c88f17f3f741c3f63cf3cb4b018a4911\" alt=\"mature couple driving in convertible along the beach\" data-uuid=\"8444ed4d-354d-3029-a004-6ae8679c2cb1\"><figcaption>Sam Edwards\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"17_Lifestyle_Factors_Are_Expensive\"><\/span>17. Lifestyle Factors Are Expensive<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Another factor keeping people in the workforce is insufficient funds to maintain their current lifestyle and financial responsibilities, says relationship author Kevin Darn\u00e9. &#8220;They may have extended family who financially depend on them, or some seniors have adult children and grandchildren living with them,&#8221; he says. Still other people insist on having massive homes, expensive cars, and constantly updated electronic gadgets, say other experts.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/99dd11826ca4a04e11b3f42fdfdceda9\" alt=\"businessperson giving cheque to employee\" data-uuid=\"5ff3430b-a689-330e-ad31-4f34bb6ad365\"><figcaption>AndreyPopov\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"18_Salaries_Have_Not_Kept_Up_With_Cost_of_Living\"><\/span>18. Salaries Have Not Kept Up With Cost of Living<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>An average salary today has a significantly reduced purchasing power than previous generations, says Veronica Hanson, creator of <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:34;pos:1\" href=\"https:\/\/www.vacayvisionary.com\/\">Vacay Visionary<\/a>, a site focused on budgeting and passive income. According to data from the <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:35;pos:1\" href=\"https:\/\/www.pewresearch.org\/fact-tank\/2018\/08\/07\/for-most-us-workers-real-wages-have-barely-budged-for-decades\/\">Pew Research Center<\/a>, today&#8217;s real average wage (that is, after accounting for inflation) has about the same purchasing power as it did 40 years ago. Wage gains have mostly flowed to the highest-paid tier of workers. So while Americans&#8217; paychecks are bigger than 40 years ago, their purchasing power has barely budged, making saving for retirement is that much harder.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/8daf9f4aab84036e0cf231f7e0e0efeb\" alt=\"mature man texting on cell phone with paperwork and laptop\" data-uuid=\"ab4e66ae-11df-3798-81f6-f2f75455cce5\"><figcaption>JohnnyGreig\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"19_Overall_Cost_of_Living_Is_Higher\"><\/span>19. Overall Cost of Living Is Higher<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In addition to increases in education costs, healthcare costs, and housing costs, other daily expenses have increased as well, says Veronica Hanson of Vacay Visionary. &#8220;Costs that have debilitated the current generation include <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/technology\/\" data-internallinksmanager029f6b8e52c=\"4\" title=\"Technology\" target=\"_blank\" rel=\"noopener\">technology<\/a> and communication and childcare. Increases in housing costs, food, and transportation haven&#8217;t helped either,&#8221; she says. &#8220;Most employers used to provide healthcare at no cost to the employee. Now families are being left without enough disposable income to survive after healthcare costs are removed from their paychecks. Previous generations didn&#8217;t have to purchase a $1,000 cellphone, a $2,000 laptop, or pay a $100 cellphone bill as well as a $75 internet bill and an additional $6 for data storage. The list goes on and on.&#8221;<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/017f70041234405ef2786047da213c91\" alt=\"man counting or sorting American coins on table\" data-uuid=\"54a623f5-a9a6-37a8-9454-4348b72daecb\"><figcaption>MichaelDeLeon\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"20_People_Start_Contributing_to_Retirement_Funds_Later_in_Life\"><\/span>20. People Start Contributing to Retirement Funds Later in Life<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>With all the expenses associated with simply living, funding one&#8217;s retirement often gets put on the back burner. &#8220;When you consider that most people start contributing to their accounts far later than they should, it makes retirement planning more difficult,&#8221; says Jared Weitz, CEO and founder of United Capital Source, Inc. &#8220;People are having to work longer and save much more money later than they would have if they had begun the savings at a young age.&#8221;<\/p>\n<p><strong>Find more must-read stories on the best retirement tips with<\/strong> <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:36;pos:1\" href=\"https:\/\/chrome.google.com\/webstore\/detail\/cheapism-search-and-save\/gfbmlcdfkpoiofencnmkkdcmklakicck\">Cheapism Search and Save<\/a>.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/dba30293f24c8a161cadcac904bbbc65\" alt=\"senior woman sitting at home with laptop and phone, investing\" data-uuid=\"73c426e9-8f90-364c-b069-0a11186f40fc\"><figcaption>PeopleImages\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"21_People_Use_Outdated_Investment_Strategies\"><\/span>21. People Use Outdated Investment Strategies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many Americans stick with what they know, and that&#8217;s often big, American stocks. This means they miss out on <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:37;pos:1\" href=\"https:\/\/money.usnews.com\/money\/blogs\/the-smarter-mutual-fund-investor\/articles\/3-reasons-its-harder-to-retire-today\">rallies in stocks and bonds<\/a> from other parts of the world that could help grow retirement funds more quickly.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/f9455dfbaf2f1e22b7fb43bbcb652944\" alt=\"pen on past due credit card bill\" data-uuid=\"97bad600-bacf-378e-a66f-635cb1d5235d\"><figcaption>mphillips007\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"22_Credit_Card_Debt_Has_Skyrocketed\"><\/span>22. Credit Card Debt Has Skyrocketed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Debt is another reason it&#8217;s more difficult to save for retirement than it was in previous years. In addition to student loan debt, credit card debt is higher than at any time in history. According to the <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:38;pos:1\" href=\"https:\/\/www.federalreserve.gov\/releases\/g19\/HIST\/cc_hist_mt_levels.html\">Federal Reserve<\/a>, debt totals reached $4 trillion in April 2019 and have gone up every year since. Many financial advisers advocate paying down debt before you start to put money away for retirement.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/5bfaf285b1f5bf3b33db78bec89464af\" alt=\"working senior businessman with his belongings entering the office\" data-uuid=\"02c925bd-e271-3bd2-aaf3-204b6c13fbe1\"><figcaption>skynesher\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"23_People_Make_More_Job_Changes_Than_in_the_Past\"><\/span>23. People Make More Job Changes Than in the Past<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Individuals born between 1957 and 1964 worked, on average, between 11 and 12 jobs between the ages of 18 and 50, says Logan Allec, a certified public accountant and founder of <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:40;pos:1\" href=\"https:\/\/moneydoneright.com\/\">Money Done Right<\/a>. All that moving around can put a ding in retirement planning. &#8220;Job changes can affect retirement eligibility as well as account contributions,&#8221; Allec says.<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/83bab9ce25dd942803a28aa7e8dfdcc8\" alt=\"handing cash to cashier\" data-uuid=\"a43ec7b3-39ef-3271-a6e9-a9159ad7abcc\"><figcaption>Juanmonino\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"24_Many_Older_Americans_Were_Not_Conditioned_to_Save_for_Retirement\"><\/span>24. Many Older Americans Were Not Conditioned to Save for Retirement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>For decades, Americans did not have to worry about accumulating their own retirement savings, says Robert Johnson of Heider College of Business at Creighton University. &#8220;Over the past few decades there has been a shift from defined benefit to defined contribution pension plans. In the defined benefit world, one didn&#8217;t need to be concerned with saving for retirement,&#8221; he says. &#8220;The Baby Boomers retiring today began their careers in the defined benefit world. They didn&#8217;t witness their parents saving for retirement and weren&#8217;t conditioned to do so themselves. People approaching retirement and those currently retired, weren&#8217;t conditioned for the current do-it-yourself retirement planning world.&#8221;<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/99b38fb16b6911ff2d77dc1a78bdaa79\" alt=\"senior man upset while wife watches\" data-uuid=\"adc874a7-947d-3a6a-b57c-e586b1ff4e7c\"><figcaption>alvarez\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"25_People_Are_Unsure_How_Much_Theyll_Need_for_Retirement\"><\/span>25. People Are Unsure How Much They&#8217;ll Need for Retirement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Countless Americans simply don&#8217;t know how much money they may need for retirement, or even know how to figure it out, says Drew Parker, founder of <a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:41;pos:1\" href=\"https:\/\/www.completeretirementplanner.com\/\">The Complete Retirement Planner<\/a>. &#8220;Planning for retirement has been reduced to guessing, hoping, and sorting through half-truths and misguided assumptions. People need and deserve better guidance and better planning tools to help them navigate this complex and important process.&#8221;<\/p>\n<p class=\"rich-text\">\n<p>This article was originally published on Cheapism<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/media.zenfs.com\/en\/aol_cheapism_430\/eb80f95ec8ba6118abe023e02afb040d\" alt=\"Portrait of serious senior Hispanic couple standing outside house.\" data-uuid=\"cd62c3ed-c81d-35d6-bc10-d25cd25aa134\"><figcaption>kali9\/istockphoto<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"More_From_Cheapism\"><\/span>More From Cheapism<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:43;pos:1\" href=\"https:\/\/reviews.cheapism.com\/valvoline-vs-jiffy-lube-vs-walmart\/\">Cheapest Oil Change: Jiffy Lube vs. Valvoline vs. Walmart and More<\/a><\/p>\n<\/li>\n<li>\n<p>U.S. Presidents&#8217; Net Worth, Before and After Taking Office<\/p>\n<\/li>\n<li>\n<p>Is Spirit Airlines Safe, and Why Is It So Cheap?<\/p>\n<\/li>\n<li>\n<p>These Are the 7 Cheapest Fast-Food Joints To Try Right Now<\/p>\n<\/li>\n<li>\n<p>Cheap, Easy, Healthy: 9 Best Bang-for-Your-Buck Foods at Costco<\/p>\n<\/li>\n<\/ul>\n<p><strong>Like Cheapism&#8217;s content? <\/strong><a rel=\"nofollow noopener\" target=\"_blank\" data-i13n=\"cpos:48;pos:1\" href=\"https:\/\/www.msn.com\/en-us\/community\/channel\/vid-grbb4nxka360magbjttibd6ag5d9vsc2eppivaurpdsay52wkpfs?ocid=FinanceShimLayer\">Be sure to follow us<\/a>.<\/p>\n<blockquote><p><strong><span style=\"color: #ff6600;\">If you liked the article, do not forget to share it with your friends. Follow us on\u00a0<span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMN63nwsw68G3Aw\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Google News<\/a><\/span>\u00a0too, click on the star and choose us from your favorites.<\/span><\/strong><\/p><\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\"><strong>If you want to read more <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/news\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"News\" target=\"_blank\" rel=\"noopener\">News<\/a> articles, you can visit our <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/en.buradabiliyorum.com\/news\/\" target=\"_blank\" rel=\"noopener\">News category.<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<p><span style=\"color: black;\"><a style=\"color: #ff9900;\" href=\"https:\/\/blog.cheapism.com\/retirement-problems\/\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>kali9\/istockphoto Not So Golden Years At one time in our history, retirement was a given, an all-but-assured final chapter after years of working hard. While some people might choose to work past 65, many look forward to leaving the workforce. Today, enjoying one&#8217;s golden years work-free has become an unattainable dream for many \u2014 even&#8230;<\/p>\n","protected":false},"author":1,"featured_media":615095,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/cdn.cheapism.com\/images\/iStock-1128735755.9518c638.fill-1440x754.jpg","fifu_image_alt":"","footnotes":""},"categories":[70897],"tags":[],"class_list":["post-615094","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/615094","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/comments?post=615094"}],"version-history":[{"count":0,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/615094\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media\/615095"}],"wp:attachment":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media?parent=615094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/categories?post=615094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/tags?post=615094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}