Delaying Retirement: The Trade-Off Beyond a Bigger Portfolio
Working one more year can improve your finances. But what are you giving up in exchange?
Jean explores the decision through David, a hypothetical 64-year-old with about $2.5 million in retirement and investment accounts. His plan is assumed to be workable in the story, yet stopping a paycheck still feels difficult. Another year can bring salary, work health coverage, contributions and more time before portfolio withdrawals.
The question is not whether those benefits matter. It is whether they change the life he wants—and what a year of time together means to him and his wife.
The financial…
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