There are many reasons why people delay the age at which they choose to retire. In recent surveys, 29% of respondents cite the weak economy as the underlying reason. Other reasons include a change in employment situation (22%), inability to afford to retire (16%), need to make up for stock market losses (12%), lack of faith in Social Security (7%), need to pay current expenses first (6%), increase assets to retire well (6%), uncertainty about stock market (5%), health care costs (4%), and changes in the minimum retirement age (4%).