Retirement-age Americans are learning to live with less and work longer due to record debt.

In a conversation thread around retirement plans on Reddit, users were quick to share their ongoing financial struggles, particularly connected to retirement. Some have even foregone retiring at the expected age altogether.

“I was thinking I was going to retire at 63 (now!) but decided to keep working my somewhat part time job sometimes full-time job,” Reddit user steel_city_sweetie shared. “We thought we would sell our house, rent a small apartment and buy and RV and do a lot of traveling around the country. Now I am not so sure that’s a good idea.”

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