Core Insights - The average retirement age in the U.S. is 65 for men and 63 for women, but Gen Z aims for an earlier retirement age of 59, compared to 61 for Millennials, 64 for Gen X, and 67 for Baby Boomers [2][6] - There is a significant disconnect between desired retirement age and financial readiness, with many workers not prepared to retire early despite their wishes [4][5] - A survey indicates that nearly two-thirds of Americans find the dream of retiring between 65 and 70 "unattainable," with many planning to work until they can no longer do so [7] Group 1: Generational Perspectives on Retirement - Gen Z's ideal retirement age is 59, significantly lower than other generations [2] - Millennials, Gen X, and Baby Boomers have ideal retirement ages of 61, 64, and 67 respectively [2] - Gen Z expects to retire at age 67, which is eight years later than their ideal [6] Group 2: Financial Preparedness and Challenges - Many Americans are not saving enough for retirement, with 20% not saving at all [8] - One-third of Americans are not setting aside any money for retirement [8] - Rising costs and competing financial priorities are impacting Americans' confidence in retirement planning [5]