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Regret d’agir vs. de ne pas agir

Prendre sa retraite tôt vs. travailler plus longtemps

Si vous agissez

Partir en retraite anticipée

20%

Si vous n’agissez pas

Travailler plus longtemps

5,0%

Pourcentage de personnes qui regrettent ensuite chaque choix. Les barres et le registre complet s’affichent ci-dessous.


Carrière

Dernière révision 2026-04-26

Qualité des preuves 4.5/5

Score d’évaluation en huit dimensions selon la grille de qualité . Chaque dimension notée de 1 à 5.

D1 Vérification des sources
5/5
D2 Autorité et indépendance des sources
5/5
D3 Précision du taux de regret
3/5
D4 Comparabilité des sources
5/5
D5 Motif de Gilovich
5/5
D6 Qualité de la prose
5/5
D7 Complétude des réserves
4/5
D8 Qualité de l’échantillon
4/5
Moyenne 4.5/5
Two clocks side by side, one showing an early hour with a calm landscape, the other showing a late hour with an office silhouette.
Données de substitution — aucune enquête directe sur les regrets n'existe pour cette décision. Les taux sont dérivés des scores de satisfaction et des obstacles d'accès plutôt que de questions portant directement sur les regrets. Voir les mises en garde ci-dessous.

Regret d'action

Partir en retraite anticipée

20%

20% des retraités précoces regrettent la décision

Américains s'auto-rapportant retraités

rétrospective, retraité depuis 5+ ans

Regret d'inaction

Travailler plus longtemps

5,0%

6% regrettent d'avoir travaillé trop longtemps

Américains s'auto-rapportant retraités

rétrospective, retraité depuis 5+ ans

% regrettent ce choix

action dominates — L'action domine — la plupart regrettent d'avoir agi.

Décisions associées

Décisions sémantiquement similaires — même terrain, compromis différents.

career

Changement de carrière

% regrettent ce choix

L'inaction domine

Regret d'inaction 1.5× plus élevé

career

Créer son entreprise

% regrettent ce choix

L'inaction domine

Regret d'inaction 5.5× plus élevé

career

Reconversion tardive vs rester

% regrettent ce choix

L'inaction domine

Regret d'inaction 2.4× plus élevé

family

Parent au foyer vs actif

% regrettent ce choix

L'action domine

Regret d'action 1.3× plus élevé

FinancierDirecte

Épargne retraite

% regrettent ce choix

L'inaction domine

Regret d'inaction 11.0× plus élevé

career

Freelance vs emploi

% regrettent ce choix

L'action domine

Regret d'action 1.3× plus élevé

career

Quitter son emploi

% regrettent ce choix

L'inaction domine

Regret d'inaction 2.2× plus élevé

career

Négociation salariale

% regrettent ce choix

L'inaction domine

Regret d'inaction 1.2× plus élevé

20% of early retirees regret their decision to stop working, according to a MedicareFAQ survey of 569 retired Americans (“74% say they were able to retire early, but of those who did, 20% regret that decision”). The mirror side — regret about working too long — is much rarer, but no US survey measures it directly, so this pair is proxy- graded: a UK Which? survey (May 2025, n=1,188) found roughly 5% felt they had retired too late, “half as many” as the ~10% who felt they had stopped work too early. Even at that rough level, action (retiring early) generates more regret than inaction (continuing to work), reversing the typical Gilovich pattern. The reason on the action side is almost entirely financial — 86% of the MedicareFAQ respondents wished they had saved more, and 75% of early retirees in a separate Manulife study said they regretted not saving enough.

Hurwitz and Mitchell (NBER Working Paper 30696, 2022) sharpen the direction of retirement-timing regret with a controlled experiment of 1,764 Americans aged 50 and older. In their sample, 37% regretted not working longer and 57% regretted not saving more — both point the same way as the MedicareFAQ finding: the dominant timing regret is retiring too early, not too late. (This 37% is NBER’s figure; the MedicareFAQ article itself does not report a “worked longer” number.) Börsch-Supan et al. (2023) reinforce the underlying cause: 58.5% of those aged 60-79 wished they had saved more. Working longer is often a proxy for the saving people failed to do, which is why “I should have worked longer” and “I should have saved more” track together.

The action-dominates pattern here is unusual in the Gilovich framework, where inaction typically wins long-term. The explanation is that early retirement is not a pure inaction-vs-action binary — it is an irreversible action with immediate, concrete financial consequences. People who retire early and run short of money experience the sharp, specific regret characteristic of action errors. People who work “too long” experience a diffuse, hard-to-quantify opportunity cost (lost leisure years), which is easier to rationalize. The low working-too-long rate may also reflect survivorship bias: those who worked until health failed may not be surveyed.

Sources : action

Registre des sources

Chaque chiffre ci-dessous correspond à ce que la source a rapporté, avec la citation textuelle sur laquelle nous nous sommes appuyés et la méthode de calcul. Cliquez sur un lien pour vérifier directement.

1/3 sources vérifiées de manière indépendante, mot pour mot, par rapport à la source citée

  1. [1] MedicareFAQ — Retirement Regrets Statistics: Advice for the Next Generation
    Retirement Regrets Statistics: Advice for the Next Generation
    Statistique
    74% were able to retire early, but of those who did, 20% regret that decision
    Extrait
    “"Among survey respondents, 74% say they were able to retire early, but of those who did, 20% regret that decision. The majority (86%) wish they would have saved more before retiring, and 60% say they did not start investing in their retirement funds early enough." ”
    Données source de
    2024-02-19
    Consulté le
    2026-04-26
    Calcul
    MedicareFAQ surveyed 569 retired Americans (online, self-selected) in January 2024. Sample: 65% female, 35% male, ages 27-90 (average 65), average retirement age 58. The archived article (Wayback snapshot 2024-11-14) states verbatim: "74% say they were able to retire early, but of those who did, 20% regret that decision" — this grounds the 20% action rate. The live URL was later revised to remove the retirement-regret content, so the excerpt above is verified against that archived snapshot. The article does NOT report any "34% wished they had worked longer" or "6% regret working too long" figure — earlier drafts of this entry misattributed those to MedicareFAQ; the working-longer regret figure belongs to NBER w30696 (see below).
  2. [2] National Bureau of Economic Research / Hurwitz & Mitchell — Financial Regret at Older Ages and Longevity Awareness
    Financial Regret at Older Ages and Longevity Awareness

    See all 2 Likelier entries citing this source →

    Statistique
    37% of respondents aged 50+ regretted not working longer; 57% regretted not saving more
    Extrait
    “"57% regretted not saving more for retirement, 40% regretted not purchasing Long-Term Care insurance, 37% regretted not working longer, 33% regretted not buying lifetime income payments, 23% regretted delaying Social Security benefit claims, and 10% expressed regret about financial dependence on others." ”
    Données source de
    2022-11-01
    Consulté le
    2026-04-26
    Calcul
    Hurwitz & Mitchell, NBER Working Paper 30696 (2022, revised 2023; published in Journal of Risk and Insurance, 2025). Controlled randomized experiment of 1,764 respondents aged 50+. The full list of stated regret rates — 57% not saving more, 40% not buying LTC insurance, 37% not working longer, 33% not buying lifetime income, 23% delaying Social Security, 10% financial dependence — was verified via Knowledge@Wharton's summary of the paper. This is the sole cited source for the "wished they had worked longer" dimension; it is a regret about NOT working longer (i.e. retiring too early), which supports the action-side (early-retirement) regret, not the inaction side.
  3. [3] Manulife John Hancock Retirement (11th Financial Resilience and Longevity Report) — Manulife John Hancock Releases New Retirement Report with Insights on Preparing for a Better 40-Year Retirement Journey Vérifié
    Manulife John Hancock Releases New Retirement Report with Insights on Preparing for a Better 40-Year Retirement Journey
    Statistique
    75% of retirees who retired earlier than expected said they regretted not saving more for retirement
    Extrait
    “"75% of those retiring earlier than expected reported that they regretted not saving more for retirement." ”
    Données source de
    2025-11-18
    Consulté le
    2026-07-04
    Vérification
    Extrait récupéré et confirmé de manière indépendante, mot pour mot, par rapport à la source citée lors de notre audit de vérification.
    Calcul
    Manulife John Hancock Retirement's 11th annual Financial Resilience and Longevity Report, fielded May 9-June 2, 2025 among 2,534 retirement-plan participants plus a 512-person American-retiree panel via Angus Reid, commissioned research conducted by Edelman Public Relations Worldwide Canada Inc. Independent third-survey corroboration that early/unplanned retirees specifically show an even higher savings-regret rate than retirees overall (MedicareFAQ 86%, NBER 57%). Grounds the body-text "separate Manulife study" claim.

Sources : inaction

Registre des sources

Chaque chiffre ci-dessous correspond à ce que la source a rapporté, avec la citation textuelle sur laquelle nous nous sommes appuyés et la méthode de calcul. Cliquez sur un lien pour vérifier directement.

  1. [1] Which? — The 4 biggest retirement regrets and how to avoid them
    The 4 biggest retirement regrets and how to avoid them
    Statistique
    Around 1 in 10 felt they stopped work too early; half as many (~5%) felt they had retired too late
    Extrait
    “"Around one in 10 people in our survey told us they felt they stopped work too early, while half as many said they felt they had retired too late." ”
    Données source de
    2025-05-01
    Consulté le
    2026-07-12
    Calcul
    Which? surveyed 1,188 retired and semi-retired UK members in May 2025. "Retired too late" is the closest surveyed analogue to "regret working too long" (the inaction side of this pair). The stated figure is "half as many" as the ~10% who felt they retired too early, i.e. ~5%. This is a proxy: it is a UK sample, and the rate is stated as a fraction ("half as many"), not a precise percentage — hence proxy_only:true. No cited US survey reports a direct "regret working too long" rate; MedicareFAQ (US) measured early-retirement regret but never this direction (an earlier draft misattributed a fabricated 6% to it).
  2. [2] PMC / Börsch-Supan et al. — Saving Regret and Procrastination
    Saving Regret and Procrastination

    See all 3 Likelier entries citing this source →

    Statistique
    58.5% of the population aged 60 to 79 wished they had saved more
    Extrait
    “"58.5 percent of the population aged 60 to 79 wished they had saved more." ”
    Données source de
    2023-02-15
    Consulté le
    2026-04-25
    Calcul
    Börsch-Supan, Bucher-Koenen, Hurd & Rohwedder, "Saving Regret and Procrastination." Peer-reviewed study measuring SAVING regret only (58.5% of ages 60-79 wished they had saved more). It does NOT report a retirement-timing / working-too-long regret rate; it is cited here to establish that the dominant retirement regret is financial (undersaving), which contextualises why the timing-of- retirement inaction rate is low and why the pair is proxy-graded.

Réserves

L'échantillon MedicareFAQ est auto-sélectionné (enquête en ligne des personnes visitant un site d'information Medicare) et penche plus âgé et féminin. L'âge moyen de retraite de 58 ans est inférieur à la médiane américaine, ce qui signifie que l'échantillon surreprésente les retraités précoces. Le taux de regret de retraite précoce de 20% reflète probablement un manque de préparation financière plus qu'une véritable préférence pour l'emploi continu — 86% des répondants auraient également souhaité avoir épargné davantage. Les retraités précoces involontaires (problèmes de santé, licenciements) sont confondus avec les volontaires. Le regret de travailler trop longtemps de 6% peut également être supprimé par le biais de survie : les personnes qui ont travaillé jusqu'à ce qu'elles soient physiquement incapables peuvent ne pas être assez bien pour participer aux enquêtes. Les données d'enquête sont tirées exclusivement d'échantillons des États-Unis ; les taux de regret dans les pays avec des systèmes de retraite différents — structures 401(k), règles de Sécurité sociale, normes de pension ou droits à la santé — peuvent différer substantiellement.

Données brutes : /api/decisions.json

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