The biggest spike inemployment has gone to college-educated older workers. (Photo:Shutterstock)

(Bloomberg) –Just as single-income families began to vanish inthe last century, many older Americans are nowforgoing retirement for the same reason: They don't have enoughmoney.

Rickety social safety nets, inadequate retirement savings plansand sky high health-care costs are allconspiring to make the concept of leaving theworkforce something to be more feared than desired.

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