The Daily Money: Most of retire before we had planned

Good morning! It’s Daniel de Visé with your Daily Money.

We write a lot about the idea that Americans tend to retire before they plan, expect, or are ready. The broader point: We don't always get to leave the workforce on our own terms.

A new survey shows that more than half of retirees stopped working earlier than planned. And the decision was often beyond their control.

Who pays a dead person's bills?

How do you deal with a dead person's unpaid bills? Keeping up with housing payments, credit cards and medical bills for someone who has died can feel overwhelming, Medora Lee reports.

But don't assume you are on the hook for those debts.

Investors seek the first national piano school

We'll close with something a little different.

Jessica Guynn has a story about a music teacher who devised a new teaching method around a notation system based on languages students already knew – their ABCs and 123s. Now, investors are looking to build it out into the first national piano school.

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Daniel de Visé covers personal finance for USA TODAY. The Daily Money breaks down complex consumer and financial news.Subscribe here.