Imagine this scenario:  Jack and Jill are in their early 70s.  They've both decided that they no longer want to work.  In fact they're looking to slow down and change their life altogether.  They want to retire.

 

However, having made this decision, they soon discover that the money they have available to them, to live on, is just not enough.

 

Turns out they had never planned on staying in Fairfield County, but had seen themselves moving to Florida once they got older.  They've also recently found themselves in the position of having to help out their grown children, who have fallen on tough economic times themselves.  Jack and Jill also never fully paid off their credit card debt over the years.

 

At this point it certainly looks like they may be working a lot longer than they imagined!