FILE A couple watches the sun set from a park, July 10, 2021, in Kansas City, Mo. American workers expect to retire at a median age of 65, according to a 2023 survey from the Employee Benefit Research Institute. But the actual median age for retirement is 62. That may not seem like a big gap, but if you retire three years earlier than planned, that’s three fewer years of savings and three more years of retirement life to fund. (AP Photo/Charlie Riedel, File)
