18 Years Worth of Days The average retirement lasts for 18 years. Are you prepared to fill that many days? Share | Related Content Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. IRA Withdrawals that Escape the 10% Tax Penalty The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.