Working longer isn’t a foolproof retirement plan — 46% of 2025 retirees left earlier than planned, survey finds
A recent survey indicates that many individuals retire earlier than they initially planned, with 46% of those expected to retire in 2025 doing so ahead of schedule. This trend has been consistent, with data showing that 40% to 50% of retirees have reported retiring earlier than anticipated since the late 1990s. The gap between retirement expectations and reality has been highlighted by various polls, including a Gallup survey.
- ▪46% of expected 2025 retirees left the workforce earlier than planned.
- ▪Since the late 1990s, 40% to 50% of retirees have reported retiring earlier than anticipated.
- ▪In 2022, the average expected retirement age was 66, while the actual retirement age was 61.
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Story provenance
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Record
| Original publisher | CNBC |
| Canonical URL | https://www.cnbc.com/2026/04/28/early-retirement.html |
| Publication time | Tue, 28 Apr 2026 13:10:43 GMT |
| Retrieval time | 2026-04-28T13:14:31.934Z |
| Last seen | 2026-04-28T13:14:31.934Z |
| Headline source | Publisher (no WeSearch rewrite) |
| Excerpt source | publisher body |
| Excerpt method | First ~120 words (~800 chars) of extracted publisher body, fair-use limited. |
| Summary | WeSearch · cerebras-chat (WeSearch summarizer) |
| Summary source text | contentText |
| Citation coverage | Summary is a WeSearch-generated derivative; primary citation is the original publisher URL. |
| Cluster | arv1wKemQ_w8 |
| Cluster logic | Grouped by semantic title/content similarity across sources within a rolling window. Same-publisher template collisions are excluded from coverage comparison. |
| Ranking reason | Story pages are not engagement-ranked. Hub feeds use recency, with optional source-diversified chronological ordering (cap consecutive stories per source). No personalized ranking. |
| Publisher visit | Yes — open original |
| Substitutes article? | No — link-out required for full text |
Rights status (four layers)
WeSearch handling by dimension
| Indexing | May the item be indexed (stored, ranked, made findable)? | Allowed |
| Snippet | May a short excerpt of the publisher's text be shown? | Allowed |
| AI summary | May WeSearch generate its own short summary of the article? | Limited |
| Retrieval / RAG | May the content be exposed for third-party retrieval-augmented generation? | Not asserted |
| Model training | May the content be used to train AI models? | Not asserted |
| Commercial reuse | May the content be reused commercially? | Not permitted |
Basis: Derived from the published RSS/Atom feed. Contact: [email protected]. Reviewed: 2026-07-24.
Opening excerpt (first ~120 words) tap to expand
Delaying retirement can have a range of positive financial impacts: such people don't have to live off their savings, since they get a regular paycheck. They have more time to save and for their assets to grow, hopefully. They can likely delay claiming Social Security benefits, guaranteeing a higher monthly payout for the rest of their lives.But retiring early can have the opposite effect, especially when it's unexpected.And people "consistently" retire earlier than planned, Copeland said. Roughly 40% to 50% of people who retired in any given year since the late 1990s said they retired earlier than anticipated, according to EBRI data. A Gallup poll similarly found a regular gap between retirement expectations and reality.
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Excerpt limited to ~120 words for fair-use compliance. The full article is at CNBC.
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