And you think you have it bad. It's getting tougher and tougher to reach retirement age, because that age keeps getting pushed back by financial restrictions.

According to NerdWallet, the class of 2015 won't hit retirement age till they're 75, thanks to financial pressures that will keep them at the daily grind a full two years past the projected retirement age of 73 that the class of 2013 can expect.

And that's 13 years longer than the current average retirement age of 62. What a bleak prospect.

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