According to a Gallup poll, the average working America expects to retire at the age of 66–that’s up from 63 in 2002. While a considerable amount of conventional wisdom suggests that many people will have to work well past their intended retirement age, the fact is that many people end up retiring before they thought they would. As indicated by writer Emily Brandon, a plan to work longer isn’t the same as being able to remain on the job into one’s mid-or late 60s.