The first wave of baby boomers is turning 66, the official age for receiving Social Security benefits, but the bad economy has older people in Missouri and the nation nervous about affording retirement.  A recent survey by AARP found that most older Americans believe they have to keep working.  AARP Spokesperson Craig Eichelman said AARP has developed a benefits calendar to help people decide if they’re financially ready to retire.  The calculator allows people to punch in specific ages and situations, such as divorce, and crunch the numbers in a variety of ways to determine their best option.  Eichelman said some people have to take Social Security early, but for every year a person waits, average annual benefits increase by more than one thousand dollars.