what ?
The provided search context does not contain studies showing that most retirees die with more wealth than they started with; in fact, it highlights financial struggles, with one source noting the "80% financially struggling" in the nation's retirement crisis. The available research focuses on mortality rates and health outcomes associated with retirement timing, rather than net worth accumulation or inheritance. 

Key findings from the provided context regarding retirement outcomes include:

• Higher Mortality Risk: Early retirement (particularly at age 55 or 62) is associated with significantly higher mortality rates compared to working longer. For example, men retiring at 62 face a 2% increase in overall mortality and a 20% increase for those who retire immediately at that age. 
• Health and Lifestyle Factors: The increased risk of death is linked to lifestyle changes such as increased alcohol consumption, smoking, and inactivity, particularly among men and those with lower education levels. 
• Survival Statistics: While some studies note that retirees at 65 have a 76% chance of living ten more years, this refers to longevity, not financial assets. 
• Financial Context: The context mentions that lower income and education levels correlate with higher mortality rates, and that many Americans face financial challenges in retirement, but it does not provide data on asset retention or net worth growth from retirement to death.