The age of retirement and our attitudes toward retirement have fundamentally changed over time as our life expectancy has changed, and as our cultural attitudes toward work have changed. In the late nineteenth century, approximately 78% of men over age 64 were still productively working. But by the late twentieth century, only 30% of men age 64 and above were still productively working. Because of the need for more income in retirement, the increase in life expectancy, and the desire to continue fulfilling employment, the trend has been to delay retirement. So the need for additional sources of income to help finance our retirement has become more apparent.