18 Years Worth of Days The average retirement lasts for 18 years. Are you prepared to fill that many days? Share | Have A Question About This Topic? Address Thank you! Oops! Related Contents The Power of Tax-Deferred Growth Why are 401(k) plans, annuities, and IRAs so popular? Should You Borrow from Your 401(k)? Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase? Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.