As many Americans face the prospect of retirement, studies reveal a significant gap between expectations and reality. While a large majority (75%) of workers express a desire to continue working in retirement, only 31% of retirees actually do. Additionally, many plan to retire at 65, but the average retirement age is often closer to 62. This early, unplanned retirement can pose various challenges, as highlighted in the recent Allianz Life study. The data suggests that working longer may not be an option for everyone, indicating that future retirees should reconsider their plans and expectations surrounding work in retirement.