American workers seeking Retirements Early at age 62 should receive Half of their 401(k)s, Roth IRAS, Retirement Annuities, and Other Pensions, including Half of Medicare Benefits at Age 62, if they Opt-In for age 62 Retirement, then receive their Second Half of Retirement Benefits at age 67 or later like the Second Half of 401(k)s, Roth IRAs, Retirement Annuities, and other pensions after stocks, bonds, dividends, and CD interests have grown and increased the remaining Half of Pension benefits up until Age 67 and after if they opt-in for much later Retirement ages.

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