SELF IMPROVEMENT

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Do you want your retirement years to be lively? Is your current job, or career, fulfilling for you? If so, then maybe you are going to be joining the happy, busy ranks of those, more than 70% according to a recent A.A.R.P. survey, who are planning a "working retirement." If working past your retirement date seems grim, then cheer up. 1) Continuing at your current job has its positives - you know the job. 2) If you have personal debt or you are close to paying off your mortgage, working a few more years at your current income can go a long way to eliminating expenses.
3) Continuing to draw a paycheck will allow you to delay Social Security, for a higher benefit in the near future. Your benefit will continue to increase up to age 70. 4) Chances are if you are near retirement, you may be close to peak earning and benefit levels. Perhaps you want to boost your 401k levels by maxing out your
contribution and taking advantage of the over 50 catch-up contribution. Your employer may even contribute to your account adding to your total. 5) You might not be ready to quit working. You may need income, require some benefits, or just like to work. You may be feeling like "George." George likes his job, he has the option to continue full-time, or work in a per diem arrangement, as long as he wants. The income and flexibility in his job will allow us plenty of opportunity to enjoy ourselves without worrying about money. I have already stopped working, but this doesn't mean that my husband will. As long as we can enjoy more time together, then I am satisfied with his decision to stay in the workforce, for now." Linda and George have different dreams about retirement, but they have created a plan that works for them. Where do your dreams fit into your plans for retirement?