Why 65 may be too late

Good afternoon. The life you're picturing and the one the numbers actually support aren't always the same thing. Today's stories show you where to pivot before that gap catches you off guard.

On The Money Today:

Let's get into it.

Dividend yields on the big names aren't what they used to be, and the usual index-fund advice doesn't cut it if income is the goal. There's a specific number that gets you there, plus a few funds built for exactly this. It's probably smaller than you'd guess.

Laniya Brooks was cleaning a data center when a coworker noticed something in her and handed her a way out. Meta and Mike Rowe are footing the bill for her retraining, no experience required. The program's open to more people than you'd think.

The standard retirement math — Medicare at 65, Social Security at 67, life expectancy near 79 — leaves out one number that changes everything. It's the gap between how long you'll live and how long you'll actually feel like yourself, and it comes with a real price tag.

RETIREMENT: Suze Orman says this is the best way for low-income retirees to decide which account to withdraw from first and maximize savings

RETIREMENT: Nearly half of US private-sector workers have no retirement account, AARP says, here's how to build your nest egg before it's too late

NEWS: A Michigan woman thought she donated $50 at Walmart; a tap-to-pay scam charged her $1,000 instead, here's how 'ghost tapping' works

AUTO: A Texas woman says a mechanic quoted her $7,500 for a part; her dad called back and was quoted $2,500, how to hold out for a fair repair

The answer is C) 51% — a recent survey found that just over half of Americans worry about outliving their retirement savings, a concern that only grows as life expectancy climbs and health costs eat further into fixed incomes.