A new survey says that most Americans are retiring earlier than they want to.TIAA and Ipsos surveyed workers and retirees, and found that on average, workers think they’ll retire at around 62. But the average age at which retirees actually left the workforce is closer to 57, and most said that they wished they’d saved more — or sooner.According to Teresa Ghilarducci, economics professor at The New School, the most common reason for early retirement isn’t the worker at all.“They are retired because their employer forces them out,” she said, in favor of a younger, and maybe cheaper, employee. “Or they’re laid off.” Ghilarducci said that’s what forced her mom to retire at 72, before she was ready. The other common reason? Health.“Their own health or their spouse's health forces them to have to leave the labor market to take care of themselves or somebody else,” Ghilarducci said.The grim reality, according to Ghilarducci, is that retiring early is hard. This is partly because life is more expensive these days, and because “life expectancies have gotten much, much longer,” she said. David Demming, founder of Demming Financial Services Corp, said he used to plan for his clients through age 95. Now he pushes it to 100, or even later.“The bottom line is your money has to work longer,” Demming said.Demming’s recommendation is for clients to work longer: He himself is 79, and still in the workforce.But Craig Copeland, director of wealth benefits research at Employee Benefit Research Institute, said the data just isn’t showing that people are following Demming’s advice. “You can’t predict your health, you can't predict that the organization is going to stay going, because there's a dynamic economy, so people are going to be churning,” Copeland said. Copeland recommends that people start planning early for health problems or layoffs. “People should be thinking about this,” he said,.That way, there’s enough money in the bank to handle an unexpected, early retirement.