Ask Kim: Is Retirement at 67 Realistic?

Posted on September 10, 2026

Dear Kim,

I’m 55 and honestly haven’t saved nearly enough for retirement. I’ve been playing catch-up for a few years, but I still feel behind. Is it realistic to think I can retire comfortably by 67, and what should I be prioritizing right now?

Sincerely,

Playing Catch-Up

Dear Playing,

Begin by analyzing exactly where you are right now. Do you know how much you need to save to have a comfortable retirement? That number is different for everyone and is the starting point for your questions. If you are really far away, that is obviously your priority.

Are you paying down debt? What are the interest rates? If you have a lot of high-interest debt, that has to be your priority. If both of those things are in your life, consider working longer to get to a point where you can manage your expenses once you retire.

Good luck!

Kim

If you need help navigating your finances, talk to Kim Spencer by clicking the link below!

Ask Kim

Investment advisory services offered through Equita Financial Network, Inc. (“Equita”). Equita also markets investment advisory services under the name Next Step Financial. The foregoing content reflects the opinions of the author(s) and is subject to change at any time without notice. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that the statements, opinions or forecasts provided herein will prove to be correct.

All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful.