retirement plans of middle-aged workers (aged 45-55). Our results indicate that approximately two-thirds of men and more than … half of women appear to be making standard retirement plans. At the same time, more than one in five individuals seem to … have delayed their retirement planning and approximately one in ten either do not know when they expect to retire or expect …

such changes. Retirement has increasingly become a decision made jointly by a couple rather than individually by one … retirement decision despite age differences between partners. This joint determination of retirement has important implications …