You know you need to save for retirement, but so many other things are getting in the way — kids, a mortgage, the vacations to take to stay sane. March Madness. Maybe you should buy a better television to watch the NCAA basketball tournament.

And if you can’t save, no problem. You just won’t retire, right?

Your backup retirement savings plan is to work longer, maybe well into your 70s.

For many people, 65 is just a number. It’s certainly not retirement age.

“Nearly 20 percent of people age 65 plus are still working full or part-time — the highest rate since 1962,” Trent Gillies writes for CNBC. “After the end of the Great Recession, more seniors were forced to stay in the workforce longer, in order to make ends meet.”

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