Why Americans Are Retiring Later—and How a Trusted Retirement Planner Can Help You Retire Sooner
A recent USA TODAY article struck a chord with millions of Americans: "Work till you drop? Here's why America's average retirement age keeps rising." And it’s true. The idea of kicking back in your 60s to enjoy your “Golden Years” is starting to feel like a relic of the past for many. Between rising living costs, market uncertainty, longer life expectancy, and a lack of strategic financial planning, more Americans than ever are working well into their 70s—some by choice, many out of necessity.
But here’s the truth no one is telling you: You don’t have to work until you drop.
With the right retirement planning—especially with guidance from someone who knows how to protect your nest egg—you can retire on time, or even early, with dignity and confidence. That’s exactly what Safe Money Lady™ specializes in: helping individuals and couples take back control of their financial future with smart, secure, and strategic retirement planning.
Why Are Retirement Ages Rising?
Before we talk solutions, let’s quickly understand the problem. According to national surveys:
The average retirement age has risen from 60 to 66 over the past three decades.
Nearly half of Americans fear they will outlive their retirement savings.
Many near-retirees say they plan to work part-time or delay retirement due to inflation and healthcare costs.
A large portion of this crisis is due to a lack of secure planning—not just saving money, but knowing how to protect it.
The Retirement Myth: Just Save and Hope
Too many people think the answer is simply saving more or keeping their money in the stock market and hoping for the best. But hope is not a strategy. What’s missing is retirement income planning—the ability to turn your savings into guaranteed income streams, reduce tax liabilities, and ensure you never outlive your money.
Enter the Safe Money Lady™
Safe Money Lady™ isn’t just a catchy name. It represents a proven approach to retirement that puts security first. Instead of risky, volatile strategies, the Safe Money Lady™ focuses on:
Principal Protection – Strategies to keep your money safe from market downturns.
Tax-Efficient Planning – Helping you keep more of your money by minimizing taxes on withdrawals and Social Security.
Guaranteed Lifetime Income – Using tools like annuities to ensure you never run out of money in retirement.
Inflation Protection – Planning for rising costs of living without sacrificing your lifestyle.
It’s not about getting rich overnight—it’s about retiring with confidence, comfort, and peace of mind.
You Can Still Have a Golden Retirement—If You Plan Today
The truth is, there is still time. But the earlier you start, the better off you’ll be. Whether you’re 10 years away from retirement or just 2, working with someone like Safe Money Lady™ gives you the tools, education, and confidence to make smart, safe decisions.
Your retirement doesn’t have to be a question mark—it can be a well-drawn map to a future you’ve earned.
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Retirement planning in today’s economy is more than just contributing to a 401(k). It’s about strategic thinking, secure investing, and personalized guidance. Don’t leave your future to chance or delay the planning you deserve.
The Golden Years are still within reach. You just need the right partner—and a strategy that works as hard as you do.
Ready to stop guessing and start planning? Schedule your complimentary retirement strategy session with Safe Money Lady™ today. Your future self will thank you.
Schedule your appontment with me by clicking here. Together we will evaluate your personal circumstances.
Warm regards,
Sharon, Your Safe Money Lady™
Sharon Ben-David
Phone: (954) 261-5200
Licensed Mortgage Broker, Certified Professional Retirement Planning Adviser, and Financial Advocate
Protecting Your Nest Egg, Inc.
NMLS #2308601
