Today’s retirees are not going to live the post-work dream of previous generations. In fact, most people can expect to work at least part-time for another 10 to 15 years after they turn 60, thanks in large part to a lack of pensions to cover people’s expenses in their sunset years. Between 2010 and 2020, people aged 55 and older are projected to be the fastest-growing segment of the workforce, which begs the question of whether we should just rethink what “retirement” really means. Because swinging in a hammock, it ain’t.

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