Retirement is a major life milestone for many Americans, especially those in their middle years approaching the golden phase. But are you truly prepared? This quiz dives into essential retirement knowledge, covering financial planning, government policies, and everyday lifestyle adjustments tailored to U.S. residents. From understanding Social Security benefits to navigating 401(k) contributions, Medicare options, and even post-retirement health and leisure strategies, these questions test your readiness for a secure future. With the average American retiring around age 64 and facing potential healthcare costs exceeding $300,000, knowing the basics can make all the difference. Whether you're in your 40s or 50s, building a nest egg now is crucial amid rising inflation and market volatility. Only a small percentage of pre-retirees grasp these fundamentals fully—will you beat the odds? Take this 40-question challenge to assess your knowledge, identify gaps, and get motivated to plan smarter. Each correct answer brings you closer to retirement confidence. Let's see if you're among the elite 5% who can ace it!