A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. Share | Related Content 18 Years Worth of Days The average retirement lasts for 18 years. Are you prepared to fill that many days? Catch-Up Contributions Workers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.