American workers are retiring earlier, living longer, and getting more retirement benefits, putting pressure on Social Security. This book looks at how income, pensions, and Social Security affect retirement decisions. It shows that retirement age and income are influenced by financial factors, not just health or personal preferences. Different pension plans offer varying rewards for delaying retirement. The book predicts how changes in Social Security benefits could impact retirement decisions. Overall, financial factors play a significant role in when and how people retire.