Just one in four Americans aged 45 to 54 is aiming to retire at 65, according to the Employee Benefit Research Institute (EBRI). The rest are split between early birds (40% expect to retire before 65) or later exits (36% expect to retire after 65).
These behavioral traits lead to greater retirement savings, research finds. Yet only 10% of workers have them
People who find it easiest to financially prepare for retirement have