Anne Tergesen

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4,485 appearances 83 recordings 1 series first heard Jul 2017 last heard Feb 2025

Anne Tergesen’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Why Many Americans Are Retiring at Age 62, and Not Later · 3 May 2024 podcast

For a lot of people when they're in their 20s, 30s, 40s, even 50s, 65 seems like a good default number. matched

For example, it's the age of eligibility for Medicare. matched

It used to be the age at which people qualified for full Social Security benefits. matched

Now that's a little bit older. matched

65, 66, those are sort of the full retirement ages that are often used for government programs. matched

So according to a longstanding survey that I write about, it's pretty consistently found that while workers say they're going to retire at 65, retirees actually on average retire at 62. matched

There is this sort of noted kind of psychological thing that happens where people tend to be fairly optimistic about prospects for the future. matched

So there's a bias towards optimism. matched

People pretty consistently, year after year, I see it in this survey, the workers say they're going to retire at 65. matched

The retirees say they, on average, retire at 62. matched

The survey that this article looked at, again, very longstanding survey, 34 years running. matched

The big issue that survey tries to address every year is how confident are people about their retirement prospects and their ability to live comfortably in retirement. matched

According to the survey, actually, retirement confidence has rebounded. matched

So in 2022, we saw both the stock and the bond markets rebound. matched

fall, we also saw very high inflation. matched

So I think that both workers and retirees that year, in the survey that reflected the experience from that year, their confidence and their ability to live comfortably in retirement declined significantly, as you might expect. matched

The markets have since recovered. matched

Inflation is lower. matched

It's trending lower. matched

So we did see a rebound in the confidence levels. matched

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