America is at a crossroads in its approach to work and retirement.

Many policymakers think it's logical—almost inevitable—that Americans will delay retirement and spend more years in the paid labor force. 

But that assumption doesn't match the reality of a large and growing proportion of Americans. Precarious working conditions, family caregiving responsibilities, poor health, and age discrimination make it difficult or impossible for many to work longer.

Overtime offers a revelatory corrective to our understanding of the future of America's aging workforce.