You may not be able to stay on the job even if you want to. Health problems are the biggest reason people find themselves retiring ahead of schedule, according to the Center for Retirement Research at Boston College, followed by involuntary job loss. Older workers generally have more trouble finding work after a layoff than younger workers.
Changes in family circumstances also play a role in retiring sooner rather than later. If your spouse retires before you do or a parent moves into your home, the chances increase that you'll leave the work force before your scheduled departure.
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