A new Fidelity study suggests retirement is becoming more flexible and personalized, with many Americans moving away from the traditional “stop working” model. Instead, individuals are increasingly planning gradual transitions, part-time work, or alternative income streams during retirement. While financial concerns such as inflation and cost of living remain, a growing number of people are redefining retirement as a phased and adaptable stage of life. The findings highlight that retirement planning now extends beyond savings and income, incorporating lifestyle preferences, timing, and personal goals.