Americans have a list of important ages. At 16, it's time for adriver's license in most states. At 18, it's time to register tovote. At 21, people can buy alcohol. At 25, auto insurance usuallygets cheaper. The next watershed date in a person's life after thatis probably age 65—the minimum age most people sign up forMedicare.  

Thanks to Medicare, millions of American seniors have access tohealth care. And while the program seems to go through an annualgame of political pingpong every time Democrats and Republicansspar over the budget on Capitol Hill, Medicare is a vital part ofthe American social safety net. 

Let's say an employee starts saving for his golden years earlyin his career. He makes wise financial choices. He lives within hismeans and gets a little lucky along the way. Then, he just might bein a position to retire before (or at) that watershed age of65. 

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