Do Worker Expectations of Never Retiring Indicate a Preference or an Inability to Plan?

What is it about?

Our analysis suggests that most workers who state they do not expect to retire give that response because they do not think they can afford to retire. Many of those workers are likely to retire before age 67.

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Why is it important?

In counseling and planning, it is important to interpret "never retire" responses appropriately. In research on retirement adequacy, it is important to consider that "never retire" responses probably do not indicate a preference to keep working indefinitely.