Many Americans are unsure about retirement in 2025. A large share plan to work past traditional retirement age, with 36% expecting to retire at 70 or older. Financially, most believe their savings won’t be enough. Health implications of delaying retirement include stress-related issues. Knowing when to retire involves emotional and financial readiness.

Financially, Americans ages 55-64 have median retirement savings of $185,000, far below the $1.26 million target for comfortable retirement. Social Security typically covers 40% of pre-retirement income. Delaying retirement can lead to stress-related health issues and higher tax bills. Deciding to retire involves balancing financial and emotional factors.

Factors indicating readiness for retirement include lack of fulfillment at work, tech fatigue, and disinterest in promotions. Physical signs like joint aches and fatigue are also important. Consider a phased retirement for a smoother transition. Test retirement readiness by taking extended breaks or reducing work hours. Combine emotional signals with financial planning for a successful retirement.

Read more at Yahoo Finance: These warning signs say it’s time to retire, and the risks of the ‘one-more-year’ trap may surprise you