18 Years Worth of Days The average retirement lasts for 18 years. Are you prepared to fill that many days? Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Creative Planning Turn insight into action with Waddell & Reed WealthLink’s creative planning tools. What happens if I withdraw money from my tax-deferred invest Withdrawing funds from retirement accounts before turning age 59 ½ usually triggers a 10% tax penalty Annual Review A lot can happen in the course of a year.