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There is no clearly defined age when you become a senior citizen. Some people might consider themselves seniors when they retire. (…)
Retirement accounts are designed to encourage workers to save for the long term. As such, accounts like a 401(k) plan or IRA usually include a penalty for early withdrawals. If you take money out before age 59 1/2, you will typically need to pay a 10% penalty. You may consider yourself a senior citizen when “you no longer have to worry about the 10% penalty for early withdrawals from your IRA or 401(k),” says Guy Baker, founder of Wealth Teams Alliance in Irvine, California.
When you reach a certain age, you will need to take required minimum distributions from retirement accounts. Known as RMDs, these withdraws from traditional IRAs and 401(k) plans must be taken each year after age 72. Once you reach 72, you may view yourself as a senior citizen because “you have to start taking your RMDs from your retirement account,” Baker says. After you retire from a long career, your family and friends may consider you to have reached senior citizen status. (…)
https://money.usnews.com/money/retirement/aging/articles/when-do-you-become-a-senior-citizen
De acordo com a frase “Retirement accounts are designed to encourage workers to save for the long term”, pode-se dizer que long term , se refere a