Hange in Retirement since life expectancy increased

No need for footnotes or a work cited page.
Here are some points that should be addressed
a? Life expectancy has increased therefore people need more retirement savings than they did in the past.
a? Americans are living longer, therefore they will have a longer retirement period.
a? Although retirement should be an emotional reward, it is proving to be a financial hazard.
a? People have been known to work up to their late seventies.
a? On an average, older adults are healthy and have strong minds.
a? People are working longer because they cannot afford to live from their retirement savings.
a? People are entering the working force later so they work later.