A study by the Employee Benefit Research Institute released Wednesday shows that more Americans are waiting longer to retire because they are not financially secure. Almost 24 percent of workers polled said that they delayed their retirement in the last year. David John is the co-director of the retirement securities project at the Brookings Institution, and a senior fellow at Heritage; he explains the different reasons why many workers are having to stay employed longer and how the trend affects the broader population. And Mike Munger, the chair of political science and professor of political economics at Duke University, gives advice for all of us on how to prepare for a comfortable retirement.

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