Core Insights - The article highlights a significant increase in the adoption and assets of Health Savings Accounts (HSAs), driven by a strong stock market and the growing commitment of Gen Z and millennial workers [1] HSA Market Growth - HSAs have been in existence for over 20 years, but recent trends indicate a new boom in their adoption and asset accumulation [1] - According to survey data from HSA research firm Devenir, total assets held in HSA accounts reached $30.2 billion in 2015 [1]

Core Insights - The gap between the expected full retirement age (67) and the actual retirement age (62) is influenced by health issues, caregiving needs, and layoffs [2] - The ideal retirement age varies based on individual circumstances, including financial needs and health status [4][7] - Delaying Social Security benefits until age 70 can maximize monthly benefits, which is beneficial for those who started saving late or live in high-cost areas [9] Group 1 - In 1991, the full retirement age was 65, while the average retirement age was 57; currently, the full retirement age is around 67, with the average retirement age at 62 [1][8] - Early retirement can begin at age 62, but benefits decrease the earlier one claims; for those needing income, this may be a suitable option [7][8] - Full retirement age allows individuals to receive their full benefit, and retiring before this age requires reliance on retirement savings [9] Group 2 - Survivors benefits are a consideration for primary earners; retiring at full retirement age or later maximizes benefits for dependents [5] - Individuals with health complications may opt for early claims to maximize benefits due to shorter life expectancy [6] - Postponing benefits until age 70 is recommended for maximizing the amount based on work history [9]

Investment Strategy - Target-date funds adjust investments over time to manage risk [1] - Target-date funds align with retirement goals [1] Key Benefits - Real-world examples of target-date fund benefits are available [1]