More than half of Americans believe they are less financially secure than they thought they'd be at this point in their lives, a Northwestern Mutual study has found. 

Fifty-six percent believe they are financially prepared to live to the age of 75, but 10 percent expect to work into their 80s.

According to the study by Northwestern, "Planning & Progress 2013—Retirement and Longevity," most pre-retirees say they expect to retire at 68 even though the mean retirement age among those already retired is 59.

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