older woman Taking psychological factors into account, the report points out, can help policymakers find more effective ways to encourage people in the workforce to work longer. (Photo: Shutterstock)

It can be a long and winding road for many Americans, but not every U.S. worker takes the same route to retirement. In fact, most of them follow “nonstandard” retirement pathways.

That's according to new research from RAND, which finds that 13.6 percent first move to working part time.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.