These warning signs say it’s time to retire, and the risks of the 'one-more-year' trap may surprise you

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':"";if(a){var r=n.promos.showYahooLogo?"":"yns-no-logo";a=a.replace("{notifOnboardBtnLabel}",n.promos.notifOnboardBtnLabel).replace("{notifOnboardMsg}",n.promos.notifOnboardMsg).replace("{subscriptionTopic}",n.promos.subscriptionTopic).replace("{noLogoClass}",r).replace("{promoLogo}",n.promos.promoLogo)}var s=t.newCount>n.panel.maxCount?t.newCount:"",c=n.panel.notificationCenterPath,l=c?"":R,u=n.panel.headerMsg?"":" "+R,d=c?H:"",p=void 0;t.count?p=t.markup:p='{emptyPanelMsg}'.replace("{emptyPanelMsg}",n.panel.emptyPanelMsg);return e=e.replace("{notifMarkup}",p).replace("{promoMarkup}",a).replace("{hideClass}",l).replace("{notifCenterLink}",c).replace("{paddingClass}",d).replace("{headerMsg}",n.panel.headerMsg).replace("{hideHeaderClass}",u).replace(/{notificationCenterNavMsg}/g,n.panel.notificationCenterNavMsg).replace(/{newCount}/g,s)}},{key:"render",value:function(e,t){var n=this;if(n._panelNode){var o=void 0,i=n._panelNode,a=void 0,r=void 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You won’t find the answer in your company’s HR manual, and even though you may have a nest egg built up, you might still be questioning if it’s the right time.If that sounds like you, you’re not the only one. In 2025, many Americans are stuck in retirement limbo.According to a recent report from the Transamerica Center for Retirement Studies (1), a large share expect to continue working well past traditional retirement age (36% of employed workers expect to retire at 70 or older, or say they do not plan to retire).About 69% believe that even if they work until retirement, their savings won’t be sufficient to meet their needs.So, how will you know when you’re ready to retire? The answer is both emotional and financial.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howDave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAPI’m almost 50 years old and have nothing saved for retirement. What do I do? Don’t panic. Here are 6 easy ways to catch up (and fast)When it comes to being ready for retirement, the numbers definitely matter.According to the Federal Reserve, Americans ages 55-64 have roughly $185,000 in median retirement savings, far below the $1.26 million target that many Americans say is what they need to retire comfortably (2) (3). Social Security typically replaces about 40% of the average worker’s pre-retirement income. (4).While it's important to build up your retirement funds, waiting too long can cost you, too.If, for instance, your job requires you to work long hours and generally causes you stress, dragging out retirement could backfire.Chronic workplace stress doesn’t just make you miserable; it’s linked to hypertension, chronic headaches, and a higher risk of stroke and heart disease (5) (6).Don’t forget that every extra year on the job is one less year to enjoy retirement while you’re still relatively healthy. And staying in the workforce past age 73 can also trigger hefty tax bills as required minimum distributions kick in, pushing retirees into higher brackets. (7)So while having a solid nest egg is critical, it’s worthwhile to do a gut check and make sure you're ready emotionally, too.Try running through this checklist to get a better picture of your retirement readiness (8):Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,929.94 -2.11 (-0.03%)Dow 3048,710.97 -20.23 (-0.04%)Nasdaq23,593.10 -20.21 (-0.09%)Russell 20002,534.35 -13.73 (-0.54%)VIX13.60 +0.13 (+0.97%)Gold4,552.70 +49.90 (+1.11%)Trending tickersBTC-USD Bitcoin USD 87,538.10 +38.30 (+0.04%)ETH-USD Ethereum USD 2,930.21 +4.54 (+0.16%)XRP-USD XRP USD 1.86 +0.01 (+0.27%)LRCX Lam Research Corporation 178.07 +0.74 (+0.42%)KLAC KLA Corporation 1,279.60 +2.61 (+0.20%)PortfolioSign in to access your portfolioSign inTop gainersELPC Companhia Paranaense de Energia 9.65 +0.79 (+8.92%)PSLV Sprott Physical Silver Trust 26.04 +2.08 (+8.68%)ZETA Zeta Global Holdings Corp. 20.70 +1.59 (+8.32%)CPNG Coupang, Inc. 24.27 +1.47 (+6.45%)XPEV XPeng Inc. 20.78 +1.21 (+6.18%)Top losersRGC Regencell Bioscience Holdings Limited 21.16 -3.44 (-13.98%)FLY Firefly Aerospace Inc. 23.34 -3.70 (-13.68%)TMC TMC the metals company Inc. 6.82 -0.80 (-10.50%)AAOI Applied Optoelectronics, Inc. 37.17 -3.83 (-9.34%)RGTI Rigetti Computing, Inc. 22.38 -2.13 (-8.69%)Most activeNVDA NVIDIA Corporation 190.53 +1.92 (+1.02%)TSLA Tesla, Inc. 475.19 -10.21 (-2.10%)PLUG Plug Power Inc. 2.0700 -0.0300 (-1.43%)ONDS Ondas Holdings Inc. 8.48 -0.65 (-7.12%)NIO NIO Inc. 5.10 +0.19 (+3.87%)Top economic eventsEarnings eventsMy earnings eventsEarnings events