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Good Advice if You Are Already Ahead of the Game
Generally, the more well-to-do you are the longer you live. There are exceptions, of course. But in the aggregate, the poorer die more quickly. As a strategy to increase earnings potential it makes perfect sense for upper income people to delay retirement and lower income people to take it as soon as they can get it. Early Social Security may be the only "job" some people in their early 60's can find if they've been laid off and its income may not be all that much less than they received in some menial position.

One of the creators of the Social Security system, the economist Alvin Hansen, who lived until 1975 and coined the term "secular stagnation" argued that an aging population (and the US and the rest of the developed world will see a far older population in the next 50 years than the world ever has before) would negatively impact housing demand and that the appetite for investment capital would decline. Whether that happens, we will earn over the...

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