A growing wave of older Americans is rethinking when to retire — or whether to retire at all.

New data shows record numbers of people are either staying in the workforce longer or returning after retirement to make ends meet.

And the reasons tell the real story.

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Poll Of The Day

Fun Fact Of The Day

In 1994, only about 11% of Americans over 65 were part of the labor force. Today, that number has climbed to over 20%, and economists predict it could reach 25% within the next decade.