People who have plans for their lives after retirement tend to do much better. Social engagement is very important, but creative engagement may be even more important.

We don't have a single point at which a person becomes old. People are able to be productive far beyond a specific age.

Our society sets up a situation where people who are more productive are more highly valued. I don't know that that's a good thing, but they tend to feel they're contributing.

It's critical that people begin to think about and plan for retirement.

Turning 60 is generally a big mental milestone for many people. Even if their retirement isn't imminent, it's a lot closer. They start to think about it.

Survey after survey finds people are underestimating what they need for a financially secure retirement.