More Americans are continuing to work into their golden years. The Bureau of Labor Statistics predicts that by 2018, workers 55 and older will make up nearly a quarter of the country's working population, or 23.9 percent.

"My biggest worry is what happens to those people when they physically can't work anymore," Kuntz says.

Hirshman agrees.

"Studies show that the reason people retire early has to do with health issues more than anything else. You never know what your health is going to be," she says.

Not to mention the state of the job market.

A study from the John J. Heldrich Center for Workforce Development at Rutgers University found that workers who lost their jobs in 2009 as a result of the recession were still struggling six months later. Only 12 percent of those 50 and older had found full or part-time work compared to 21 percent of workers ages 30 to 49, and 29 percent of those ages 18 to 29.

Clearly, the health of the job market is far from certain, and jobs will not always be abundant.