为何美国人不能按理想年龄退休？
<p><span word="Working">Working</span> <span word="Americans">Americans</span> <span word="expect">expect</span> <span word="to">to</span> <span word="retire">retire</span> <span word="at">at</span> <span word="age">age</span> 66, <span word="up">up</span> <span word="from">from</span> 63 <span word="in">in</span> 2002, <span word="according">according</span> <span word="to">to</span> <span word="a">a</span> <span word="recent">recent</span> <span word="Gallup">Gallup</span> <span word="poll">poll</span>. <span word="But">But</span> <span word="most">most</span> <span word="retirees">retirees</span> <span word="don">don</span>'<span word="t">t</span> <span word="stay">stay</span> <span word="on">on</span> <span word="the">the</span> <span word="job">job</span> <span word="nearly">nearly</span> <span word="that">that</span> <span word="long">long</span>.</p><p><span word="The">The</span> <span word="average">average</span> <span word="retirement">retirement</span> <span word="age">age</span> <span word="among">among</span> <span word="retirees">retirees</span> <span word="is">is</span> 62, <span word="Gallup">Gallup</span> <span word="found">found</span>. <span word="And">And</span> <span word="even">even</span> <span word="retirement">retirement</span> <span word="at">at</span> <span word="age">age</span> 62 <span word="is">is</span> <span word="a">a</span> <span word="recent">recent</span> <span word="development">development</span>. <span word="The">The</span> <span word="average">average</span> <span word="retirement">retirement</span> <span word="age">age</span> <span word="has">has</span> <span word="hovered">hovered</span> <span word="around">around</span> 60 <span word="for">for</span> <span word="most">most</span> <span word="of">of</span> <span word="the">the</span> <span word="past">past</span> <span word="decade">decade</span>.</p><p>"<span word="Americans">Americans</span> <span word="have">have</span> <span word="two">two</span> <span word="reasons">reasons</span> <span word="in">in</span> <span word="which">which</span> <span word="they">they</span> <span word="may">may</span> <span word="project">project</span> <span word="a">a</span> <span word="later">later</span> <span word="retirement">retirement</span> <span word="year">year</span>. <span word="One">One</span> <span word="is">is</span> <span word="financial">financial</span>, <span word="and">and</span> <span word="they">they</span> <span word="simply">simply</span> <span word="think">think</span> <span word="they">they</span> <span word="will">will</span> <span word="need">need</span> <span word="to">to</span> <span word="work">work</span> <span word="longer">longer</span> <span word="because">because</span> <span word="there">there</span> <span word="are">are</span> <span word="fewer">fewer</span> <span word="pensions">pensions</span>, <span word="and">and</span> <span word="now">now</span> <span word="people">people</span> <span word="may">may</span> <span word="have">have</span> <span word="a">a</span> <span word="more">more</span> <span word="psychologically">psychologically</span> <span word="positive">positive</span> <span word="view">view</span> <span word="of">of</span> <span word="work">work</span>," <span word="says">says</span> <span word="Frank">Frank</span> <span word="Newport">Newport</span>, <span word="editor">editor</span>-<span word="in">in</span>-<span word="chief">chief</span> <span word="of">of</span> <span word="Gallup">Gallup</span> <span word="poll">poll</span>. <span word="But">But</span> <span word="a">a</span> <span word="plan">plan</span> <span word="to">to</span> <span word="work">work</span> <span word="longer">longer</span> <span word="isn">isn</span>'<span word="t">t</span> <span word="the">the</span> <span word="same">same</span> <span word="as">as</span> <span word="keeping">keeping</span> <span word="a">a</span> <span word="job">job</span> <span word="into">into</span> <span word="your">your</span> <span word="mid">mid</span>- <span word="or">or</span> <span word="late">late</span> 60<span word="s">s</span>.</p><p><span word="Other">Other</span> <span word="surveys">surveys</span> <span word="have">have</span> <span word="similarly">similarly</span> <span word="found">found</span> <span word="a">a</span> <span word="significant">significant</span> <span word="gap">gap</span> <span word="between">between</span> <span word="the">the</span> <span word="age">age</span> <span word="workers">workers</span> <span word="anticipate">anticipate</span> <span word="retiring">retiring</span> <span word="and">and</span> <span word="when">when</span> <span word="they">they</span> <span word="actually">actually</span> <span word="leave">leave</span> <span word="their">their</span> <span word="jobs">jobs</span>. <span word="A">A</span> 2017 <span word="Employee">Employee</span> <span word="Benefit">Benefit</span> <span word="Research">Research</span> <span word="Institute">Institute</span> <span word="survey">survey</span> <span word="found">found</span> <span word="that">that</span> 33 <span word="percent">percent</span> <span word="of">of</span> <span word="workers">workers</span> <span word="expect">expect</span> <span word="to">to</span> <span word="retire">retire</span> <span word="after">after</span> <span word="age">age</span> 65, <span word="but">but</span> <span word="only">only</span> 16 <span word="percent">percent</span> <span word="of">of</span> <span word="retirees">retirees</span> <span word="report">report</span> <span word="staying">staying</span> <span word="on">on</span> <span word="the">the</span> <span word="job">job</span> <span word="that">that</span> <span word="long">long</span>. <span word="Just">Just</span> 9 <span word="percent">percent</span> <span word="of">of</span> <span word="workers">workers</span> <span word="say">say</span> <span word="they">they</span> <span word="are">are</span> <span word="planning">planning</span> <span word="to">to</span> <span word="retire">retire</span> <span word="before">before</span> <span word="age">age</span> 60, <span word="but">but</span> 35 <span word="percent">percent</span> <span word="of">of</span> <span word="retirees">retirees</span> <span word="say">say</span> <span word="they">they</span> <span word="retired">retired</span> <span word="that">that</span> <span word="early">early</span>. <span word="The">The</span> <span word="median">median</span> <span word="retirement">retirement</span> <span word="age">age</span> <span word="in">in</span> <span word="the">the</span> <span word="survey">survey</span> <span word="was">was</span> 62.</p><p><span word="Many">Many</span> <span word="of">of</span> <span word="these">these</span> <span word="early">early</span> <span word="retirements">retirements</span> <span word="are">are</span> <span word="unexpected">unexpected</span> <span word="and">and</span> <span word="due">due</span> <span word="to">to</span> <span word="unforeseen">unforeseen</span> <span word="circumstances">circumstances</span>. <span word="About">About</span> <span word="half">half</span> (49 <span word="percent">percent</span>) <span word="of">of</span> <span word="retirees">retirees</span> <span word="say">say</span> <span word="they">they</span> <span word="left">left</span> <span word="the">the</span> <span word="workforce">workforce</span> <span word="earlier">earlier</span> <span word="than">than</span> <span word="planned">planned</span>, <span word="often">often</span> <span word="to">to</span> <span word="cope">cope</span> <span word="with">with</span> <span word="a">a</span> <span word="health">health</span> <span word="problem">problem</span> <span word="or">or</span> <span word="disability">disability</span> (61 <span word="percent">percent</span>) <span word="or">or</span> <span word="to">to</span> <span word="care">care</span> <span word="for">for</span> <span word="a">a</span> <span word="spouse">spouse</span> <span word="or">or</span> <span word="other">other</span> <span word="family">family</span> <span word="member">member</span> (18 <span word="percent">percent</span>), <span word="EBRI">EBRI</span> <span word="found">found</span>. <span word="Other">Other</span> <span word="retirees">retirees</span> <span word="are">are</span> <span word="forced">forced</span> <span word="out">out</span> <span word="of">of</span> <span word="their">their</span> <span word="jobs">jobs</span> <span word="due">due</span> <span word="to">to</span> <span word="changes">changes</span> <span word="at">at</span> <span word="their">their</span> <span word="company">company</span>, <span word="such">such</span> <span word="as">as</span> <span word="a">a</span> <span word="downsizing">downsizing</span> <span word="or">or</span> <span word="closure">closure</span> (18 <span word="percent">percent</span>), <span word="changes">changes</span> <span word="in">in</span> <span word="the">the</span> <span word="skills">skills</span> <span word="required">required</span> <span word="for">for</span> <span word="their">their</span> <span word="job">job</span> (7 <span word="percent">percent</span>) <span word="or">or</span> <span word="other">other</span> <span word="work">work</span>-<span word="related">related</span> <span word="reasons">reasons</span> (22 <span word="percent">percent</span>).</p>
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