The castaways on TV's "Gillian's Island" included millionaire Thurston Howell III and his wife, Lovey, as portrayed by Jim Backus and Natalie Schafer.

You might think that the affluent could kiss the workplace goodbye early and not have a care in the world, but that’s not necessarily the case. 

According to S. Katherine Roy, chief retirement strategist at J.P. Morgan Asset Management, in one particular case study, calculations showed that retiring at 62 rather than 65 would have required additional savings of 2 percent per year for a client’s entire career to fund that client’s lifestyle in retirement. 

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