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06/20/2014 08:44 am ET Updated Jun 20, 2014

2030: The Year Retirement Ends

Paul Bradbury via Getty Images

The retirement scenario everyone wants to avoid arrives in 2030. That’s when the largest demographic group in U.S. history, the baby boomers, will have nearly depleted the Social Security trust fund. It’s also when older Generation X-ers will begin moving out of work and into their golden years.

But these won’t be the years of leisure that recent generations have known. Consider a typical 2030 retiree–an educated Gen X woman, around 65, who has worked all her life at small and midsize companies.

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