As indicated by writer Diane Oakley writing in Forbes Magazine, nearly 20 million working Americans between the ages of 55 and 64 have no money in 401k retirement accounts and lack a pension. These near-retirees have little time to reap the benefits of compound interest to help expand their nest eggs at a time when interest rates are still quite low. With these forces working against them, financial advisors frequently recommend that these folks keep working, in part to avoid drawing on Social Security until they reach full retirement age of later. Anirban tells us more.