Nearly one in four US Americans are not planning to retire, ever. Another quarter think they will, but not as soon as they turn 65. Planning for retirement is a problem in the US, with people citing struggling to save money thanks to medical bills and unexpected outgoings.

Record numbers of seniors are opting to stay in work during their retirement, and money worries are one of their primary motivations for doing so. Now, US-based start-up Vault is helping people put away their pennies when they get paid to make saving up for retirement easier and more accessible.

Rather than winding down their working lives after they hit 65, more and more American Boomers are either in employment or looking for jobs. And while some are toiling out of necessity to cover everyday costs, others are taking up roles that let them try something new or feel a sense of community.

With longer lifespans, ‘seniors’ are embracing the fullness of life well after 60 and wielding the highest spending power as they go. The AARP has effectively addressed the diverse needs of this audience, creating the largest and most influential platform for the senior sector in America.