Work longer. Working longer allows you to tuck some extra cash into your retirement accounts and cuts the duration of time your wealth needs to last. Some 43 percent of Americans and even 36 percent of affluent Americans with investable assets between $100,000 and $3 million say current economic conditions have pushed back their expected retirement age, according to a recent Bank of America survey of 1,000 adults. In addition, continued employment gives your investments more time to accrue returns and recover from market losses. Social Security benefits will also increase by 7 to 8 percent for each year you delay claiming between ages 62 and 70. And working longer doesn't mean forever. Working just one or two extra years or getting a part-time job can significantly improve your retirement prospects.