11/18/2014 11:58 am ET

How To Plan For An Unplanned Retirement

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A dinner conversation the other evening took an interesting turn when I asked a friend about his plans for retirement:

“I’m never going to retire.”

“What do you mean you’re never going to retire?”

“I mean, I plan to stay on the job until I’m 75 and maybe even longer, depending on how I feel.”

Looking back, I shouldn’t have been surprised. Like many Americans today, my friend isn’t sure if the money he has saved is going to be enough for retirement.

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