1. Why 'I'll just work longer' is not a good retirement plan

    Why 'I'll just work longer' is not a good retirement plan

    Three out of four workers in the U.S. plan on working at least part time after they hit retirement age, according to a recent study by Merrill Lynch. But research shows working longer isn't practical.

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    1. Frankly, my continuing to work is all about my wife, to ensure she will have the funds needed to sustain her if I pass away first.
    2. One of the cornerstones of planning is to always expect the worst.
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