Retiring at 65 could be the biggest mistake of your financial life. Here’s why, and what to do instead

As economic pressures mount, many Americans are feeling forced to delay their retirement plans. According to a 2025 report by F&G Annuities & Life (1), 70% of pre-retirees over 50 are considering delaying their retirement. A 2024 YouGov poll found that 59% of U.S. adults would like to retire before 65, but only 40% believed it was possible for them. (2) With concerns about inflation, investment returns and insufficient savings, delaying retirement until at least 65 may seem like a sensible decision. Ho ...