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Learn reasons Americans don’t retire when they want to, how many retire unexpectedly, and how confident they are or aren’t about affording a comfortable retirement. About 45% of Americans are retiring earlier than they expected and also 45% are retiring about when they planned. 5% are retiring later than expected. Why people retire earlier than planned: 1. Hardship 60% 2. Able to afford it 35% 3. People desire to do something else 25% 4. Company changed, downsized or closed 5. Other work related reasons 6. Care for a family member 7. Change in required skills