For people our age, “time to quit” could mean a variety of things. Quit smoking, quit spoiling your grandchildren, or maybe it’s time to quit eating so much unsaturated fat. There is more than likely a lot of quitting running through your brain, but let’s go over what to consider before the biggest quit of all—WORK!



Trust me, I understand this defeats the purpose of retiring, but hear me out. Instead of quitting outright maybe working part-time or on a contract basis during the early years of your retirement will put you in a better position.  First off, your advanced skills and experience are irreplaceable and maybe your boss would rather keep you around at a reduced capacity.  You could work on projects that interest you, consult on research or development efforts, or simply cut back the number of hours doing the same job.  The magic age of “65” for retirement is not scientific.  Today many of us can expect a living well into a our 80’s so don’t let popular culture fool you into thinking your expiration date has passed.

If you like what you do, and you need the money to keep on, keepin’ on!

Take full advantage of the respect that comes with grey hair.  You have the luxury of age and wisdom so chances are that your coworkers won’t have the courage to tell you they think you are becoming lazy. Here’s some excellent ways to retire and not tell anyone:

  • Take long lunches, seriously. Go have lunch with your spouse and run a few errands while you are at it. Do this several times a week.
  • Schedule ways to leave early at the end of the day and never come back.
  • If you can increase your vacation time, buy extra. But here comes the tricky part – use it! Many of us work until we are burnt-out, but not anymore! You retired without telling anyone, that means three extended vacations every year and the week off between Christmas and New Year’s is perfectly acceptable. The company cannot complain because it is their policy. As a highly tenured employee, you have earned the right to many weeks of vacation each year, utilize them.

Start a Business?

Most businesses take a lot of energy but if you had a business start-up idea that you’ve been carrying in the back of your mind for the last twenty years, hey, it can finally come to fruition.  Start setting it up slowly in the last few working years.  Open checking accounts in the name of your company, develop a website, open a PO Box; why not do it all before retirement? Once your last day arrives, you hit the ground running with your branding and corporate identity in place.

While some of the ideas listed above may seem laughable, there is a solid underlying financial principle at work. Continuing to earn income through the beginning stages of your retirement will allow for your assets to stand the test of time. Finding creative ways to stay busy and earn a living while doing it pays off on many levels of your retirement wellbeing.

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