By Ernie J. Zelinski
Home Retirement Poems Retirement Speeches Inspirational Quotes Retirement Resources Retirement Wishes Retiring Happy Contact



(A Comprehensive Collection of Retirement Age Quotes and Retirement Age Sayings about the New Retirement Age That You Can Use for Retirement Letters, Retirement Speeches, and Retirement Cards
 Selections by Ernie J. Zelinski
Author of How to Retire Happy, Wild, and Free)

Funny Retirement Qutoes Image  

 Retirement Age Quotes and Retirement Age Sayings to

Help You Get Older and Happier a Little Each Day


The new retirement age is different today and keeps changing. In 1949 the average retirement age for men globally was 64.3. But by 1993 the average global retirement age had fallen to a low of 62.5. These retirement statistics come the Organisation for Economic Co-operation and Development which analyzed retirement ages in 30 countries that have national retirement plans.

Today the new retirement age is 63 at which private-sector employees with full-time work in an uninterruped career can first draw retirement income and other retirement benefits from the respective national pension schemes without any penalties or reducions. The estimate is the average retirement age will rise to 64.6 by 2050. In any event, be happy to retire — because you are a long time dead!

You likely have heard the phrase "40 is the new 30?" Well, 69 is the new 65 when it comes to the new retirement age.

According to a recent retirement survey by SunAmerica Financial Group, Americans are planning to work well beyond the once magical age of 65 as the retirement age. Pre-retirees told Sun America that they now intend to delay retirement by five years from the prior retirement age of 64 to the new retirement age of 69.

This is due in part to an increasing life expectancy, as well as by retirement assets lost during the recession.
Having a retirement job has increasingly become an important part of the new retirement. Many Americans are realizing that funding 20 or 30 years of retirement without having some sort of retirement job is increasingly difficult.

Indeed, 65 percent of American pre-retiree baby boomers indicate that they would ideally like to include some sort of retirement work in their later years. In fact 77 percent of Baby boomers aged 55–64  say that the ideal retirement includes a retirement job of some typeversus 56 percent of those over 65.

According to a study by RBC about the realities of retirement and what age Canadians retire at, many Canadians do not retire on a date of their own choosing. Some 83 percent of baby boomers still not retired over 50 believe they will retire on the date that they choose. In fact, 41 percent of Canadian retirees reported that their retirement date was unplanned due to their employer making it for them or health issues.

The study also revealed that more and more Canadians are living in retirement with debt and have to come out of retirement into a retirement job because they need more income to sustain themselves.

Aging and Retirement age is also why the American Social Security system is in trouble. In 1935, when the Social Security Act was passed by the U.S. Congress, the new law signed by President Roosevelt established a national retirement age of 65. At that age, Americans could begin receiving Social Security benefits. This, in part, essentially set the psychological “retirement” age in the minds of future generations of Americans.

The average American lifespan was 61.7 years in 1935, however. An individual had to exceed the average American lifespan by more than three years to begin receiving Social Security benefits.

But the “retirement age” set by Social Security today is still 65 whereas the average American lifespan is 78 years and continuing to rise.

In other words, the national retirement age of 65 has remained unchanged for 75 years, but the lifespan of the average American has gone up by 16 years. No wonder Social Security is in trouble.

Even so, the Social Security website advises that regardless of what a person's retirement age is, which they also call normal retirement age, an individual can start receiving Social Security benefits as early as age 62 or as late as age 70. If the individual retires early he or she can retire at any time between age 62 and full retirement age (normal retirement age also known as NRA). If the individuals starts S.S. benefits early, however, the benefits are reduced to a fraction of a percent for each month before his or her full retirement age.

Here are the details: Americans can begin collecting Social Security retirement benefits at 62 but the monthly benefit amount is reduced by approximately 30 percent. The percentage of reduction decreases Each year that Social Security retirement benefits are delayed, until age 67. As previously indicated, this is considered the NRA for Americans born after 1954.

In short, the longer an individual waits to start collecting his or her Social Security benefits, the larger the monthly check will be. If the individual waits until age 70, benefits are almost nearly a third more.

First Top-Ten List of Retirement Age Quotes

 Number 1 Quote of First Top-Ten List of Retirement Age Quotes

The two most dangerous years of your life are the year you are born and the year you retire.
— Liz Davidson

Number 2 Quote of First Top-Ten List of Retirement Age Quotes

If working is the new retirement, then try telling that to the French, who last autumn took to the streets to angrily protest plans to raise the retirement age from 60 to 62. And in the U.S., efforts to raise the Social Security age and keep people working longer is seen as a very tough — though perhaps, inevitable — sell.
— Jeff Schlegel, writing in, The Coming Retirement Wave

Number 3 Quote of First Top-Ten List of Retirement Age Quotes

Growing old is compulsory. Retirement from work is discretionary.
— Anonymous wise person

Number 4 Quote of First Top-Ten List of Retirement Age Quotes

Retirement Age? For Many, It'll Be 80
— headline on Smart Money Website

Number 5 Quote of First Top-Ten List of Retirement Age Quotes

The Ideal Retirement Age: Any age that you can marry a rich woman and have her take care of you.
— Dave Erhard

Number 6 Quote of First Top-Ten List of Retirement Age Quotes

We've put more effort into helping folks reach retirement age than into helping them enjoy it.
— Unknown wise person

Number 7 Quote of First Top-Ten List of Retirement Age Quotes

The great thing about show business is that there's no mandatory retirement age.
— Scott Bakula

Number 8 Quote of First Top-Ten List of Retirement Age Quotes

Retirement? You have to be kidding! Only one generation of Americans was ever fortunate enough to have this luxury. The rest of us [North Americans] will probably die in a Walmart parking lot while on duty [working in a retirement job].
— Unknown wise person commenting about an article about retirement

Number 9 Quote of First Top-Ten List of Retirement Age Quotes

Don't retire until all your major debts are paid off, like your mortgage and credit cards. And buy a new car a few years before you retire, with a warranty that continues a few years after you retire.
— Mike Grenby, Financial Advisor and Author of Many Money Books

Number 10 Quote of First Top-Ten List of Retirement Age Quotes

Retirement age never comes out as planned.
— Erhard's Law


Second Top-Ten List of Retirement Quotations

Retirement Letters from the Retired - Image

 #1 Quotation of Second Top-10 List of Retirement Age Sayings

The idea is to retire young, with as much money as possible.
— Dave Erhard

#2 Quotation of Second Top-10 List of Retirement Age Sayings

I retired for health reasons and not age reasons — my company was sick of me and I was sick of them.
— Unknown wise person

#3 Quotation of Second Top-10 List of Retirement Age Sayings

The right retirement age is a young age so that I have enough time to spend all of my kids' inheritance before I die!
— Unknown wise person

#4 Quotation of Second Top-10 List of Retirement Age Sayings

Regardless of what retirement age they go at, with some people, it's going to be mighty hard to tell the difference whether they left or not.
— Unknown wise person

#5 Quotation of Second Top-10 List of Retirement Age Sayings

Retirement [age] at sixty-five is ridiculous. When I was sixty-five, I still had pimples.
— George Burns

#6 Quotation of Second Top-10 List of Retirement Age Sayings

May brooks and trees and singing hills
Join in the chorus too,
And every gentle wind that blows
Send happiness to you.
— Irish Blessing

#7 Quotation of Second Top-10 List of Retirement Age Sayings

Youth has the disadvantage of inexperience; retirement age has the disadvantage of youth's inaction.
— Unknown Retirement Planning Advisor

#8 Quotation of Second Top-10 List of Retirement Age Sayings

Exactly 45.79 percent of statistics about the age at which people retire are not as accurate as they are deemed to be.
— Unknown retired person

#9 Quotation of Second Top-10 List of Retirement Age Sayings

Retirement at 65? It's the new 45!
— headline on Christian Science Monitor Website

#10 Quotation of Second Top-10 List of Retirement Age Sayings

Age-based retirement arbitrarily severs productive persons from their livelihood, squanders their talents, scars their health, strains an already overburdened Social Security system, and drives many elderly people into poverty and despair. Ageism is as odious as racism and sexism.
— Norman Vincent Peale


More Retirement Age Quotes

Retirement: When you stop lying about your age and start lying around the house.
— Unknown wise person

Working through one’s 60s and 70s isn’t appealing or feasible for everyone,
and in many ways it’s easier to do for individuals in the creative and
knowledge-based industries. But for the most part, human beings need to be engaged with something to stimulate them or keep them out of trouble. A retirement built around sitting on one’s keister is neither physically nor financially healthy.
— Jeff Schlegel, writing in, The Coming Retirement Wave

Retirement is the beginning of life — not the end.
— from
How to Retire Happy, Wild, and Free 

Retirement Cafe Book

  • Over 425,000 Copies Sold 
  • Published in 9 Foreign Languages 

Purchase How to Retire Happy, Wild, and Free  (The World's Best Retirement Book) through these direct links:

I'm in favor of a higher retirement age, but there will need to be a change in attitude among employers who won't keep or hire people over 60. If 60 is the new 40, that news hasn't yet reached the corporate HR departments.
— "NixDebt" pen name of someone commenting on an article called "The New Retirement Age"

Americans in particular will face a new type of retirement. Forty years ago, when you were going into retirement, you had the entire staff of your company with pension plans, you had all the social security work administration work included, you had Medicare working for you in the U.S.A. Now you retire and you've got nothing. Here, you better either have a lot of kids or a lot of savings by the time you get old. Americans are going to have to work harder for the stuff they're going to get. It's a rebalancing of the global economy.
— Steve Wood, North American chief market strategist for Russell Investments, October 2011

When the majority of people get my age, once they retire and get Social Security they lay on the couch and do nothing. The next thing you know, they're not with us any more.
— 77-year-old Retiree August Gonsoulin

Retirement: When you have given so much of yourself to the company that you don't have anything left that the company can use.
— Author Unknown

Have you ever heard an author who retired? Of course not. People who retire are retiring from something. A job they did not enjoy. I always wonder how long they endured a job that wasn't fun. Year after year, they continued in the job they didn't like and wished they could escape. Authors have a job they love. If they are introverted, they can stay home and write. If they are extroverted, they can get out and promote their work. They are self-employed and they have a choice. According to Forbes magazine 87 percent of the employed in the United States hate their jobs.
Could it be that the remaining 13 percent are authors?
— Dan Poynter, The Book Futurist

If you have the time, you won't have the money. If you have the money, you won't have the time.
— Wolter's Law

Lord Tyrawley and I have been dead these two years, but we don't choose to have it known.
— Lord Chesterfield

Interestingly, according to a 2011 retirement study by Fidelity.

• One-third of couples don't agree or don't know where they plan to retire.

• Two-thirds of couples don't agree on their planned retirement ages.

• Almost half of American couples don't agree on whether they will continue to work in some part-time retirement job.

Funny Retirement Quotes Image #3A

Here Is Great Retirement Age News for You!

A much happier you and a more satisfying lifestyle are just around the corner. This is your chance to live the life of retirement that many people miss out on.

Not 20 years from now!

N O W !

Retire too early instead of too late! It is a mistake to retire too late in life because you don’t get another chance to do it right!

Retirement is a double-edged sword. You either make it work for you — or it will cut your happiness in half. The more you know about the secrets to a successful retirement, the happier you will be once you retire.

If you have ever longed to have more, to experience more, to BE MORE in retirement — than you have ever been any other time in your life — then  How to Retire Happy, Wild, and Free  gives you all the information you will ever need.


  • 425,000 Copies Sold Worldwide   
  • Published in 9 Foreign Languages   

Purchase How to Retire Happy, Wild, and Free Today: Logo Click Here to Purchase on 


by Ernie J. Zelinski — All Rights Reserved
Author of The World's Best Retirement Book

 I will do today
what others won't,
so I will have
tomorrow what
others don't.
— John Addison
No organization — government or
otherwise — can take great care of you in retirement.     Organizations aren't capable of this — only  you are!
— from Life's Secret Handbook

    OVER 425,000      COPIES SOLD 

How to Retire Happy on


How to Retire Happy, Wild, and Free on

Surveys of seniors overwhelmingly      suggest that higher incomes don't drive satisfaction in   retirement. That said, there is a minimum
of income required to enjoy retirement.
— Dan Richards
I'm regularly asked     what my [retirement]  plan is, and I    deliberately don't have much of a plan. I've had lots of plans in my life and it might be nice to have a period      that is less planned.
— Malcolm Hamilton, Expert on Pensions 
& Retirement Planning

 The World's Second Best Retirement Book at

OVER 315,000      COPIES SOLD


  The Joy of Not Working on




Career Book Image



Kindle Edition of    Career Success       Without a Real Job