Most importantly, we need to rethink work and retirement. Forty percent of Americans age 55 and older were in the labor force in 2010, and these numbers are growing. Yet, many who want to work face age discrimination and are either unemployed or, more likely, have dropped out of the workforce. Up to 95 percent of people over 50 say that "age bias is a fact of life," according to an AARP survey. At the same time, 81 percent of Boomers expect to keep working past 65, and 56 percent would like to embark on new careers, according to the Merrill Lynch New Retirement Survey. Although many older Americans must work to make ends meet because they have little in the way of savings or pensions, many others do not want to suddenly end their working lives at 65. In short, we have a serious mismatch between the desire or need to work longer and an unfriendly job market for older workers.