What is the main determining factor with regard to whether and when an older adult retires?

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Financial resources are the main determining factor with regard to whether and when an older adult retires. Retirement requires a certain level of financial stability, and individuals must consider their retirement savings, pension plans, and social security benefits before deciding whether or when to retire. Other factors such as reaching the age of 65, the retirement status of a spouse, and companies "forcing" retirement may also play a role, but they are not the main determining factor.

What Is the Main Determining Factor with Regard to Whether