As Americans live longer and worry about outlasting their money in retirement, a growing number are counting on one strategy for their future financial security: working longer .

Roughly 70% of U.S. workers who haven't retired yet have considered pushing back their retirement date, according to a recent survey from F&G , an insurance company. Nearly half of the 2,000 adults surveyed said they're afraid they won't have enough money to retire.

Some people have gone beyond considering the strategy. "Two in 10 workers adjusted their target retirement age in 2024," according to a recent report from the Employee Benefit Research Institute, "with most of them now planning to retire later."

But experts say that plan to work longer may not be as reliable as workers hope.

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