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At 51 years of age, I will work another 10-15 years before retiring and asking for Social Security.

I reckon you must be fortunate because you either : A) Own a thriving business; or B) Have an employer that's stable and profitable and value your experience enough to let you work till your mid 60's.

A lot of companies practice AGEISM. When times get tough, the ones who usually are let go first are the older employees ( they think of them more as a cost ). And even during good times, companies also want to maximize profit by (you guess it ) RESTRUCTURING. Most common casualties --- OLDER WORKERS ( those above 50 ).

Let's say you get laid off at age 58 or 59 and you're trying to look for another job .... Good luck finding a company willing to hire you at that age (yes, even when you're willing to lower salary expectations ). I've encountered too many people with these stories to be optimistic.

To make a long story short --- Nowadays, even if you want to work till your mid 60's, it is increasingly getting harder to do so BECAUSE of the way business is conducted in these United States. We don't live in stable times anymore.