You might think that the affluent could kiss the workplace goodbye early and not have a care in the world, but that's not necessarily the case. 

According to S. Katherine Roy, chief retirement strategist at J.P. Morgan Asset Management, in one particular case study, calculations showed that retiring at 62 rather than 65 would have required additional savings of 2 percent per year for a client's entire career to fund that client's lifestyle in retirement. 

The case study, which was presented by Roy at a webinar sponsored by the American Banking Association, indicated that even those who make $250,000 or more annually could face the possibility of running out of money if they don't plan properly for retirement. 

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