Nearly 20% of Americans over 65 are working part-time, according to Bureau of Labor Statistics. For baby boomers, post-retirement work can provide income, purpose, and social connection – if approached strategically.
Benefits of Working in Retirement
- Supplement retirement income
- Delay Social Security claims for higher benefits
- Maintain cognitive function and social connections
- Explore new interests without financial pressure
Popular Part-Time Options
1. Consulting in Your Former Field: Leverage decades of experience at $50-$150/hour.
2. Seasonal Work: National parks, tax preparation, retail during holidays.
3. Teaching/Tutoring: Community colleges, adult education programs.
4. Gig Economy: Driving, pet sitting, task services (set your own hours).
Financial Considerations
- Social Security earnings limit ($21,240/year before FRA)
- Tax implications of additional income
- Impact on Medicare premiums if income exceeds thresholds
Finding the Right Fit
- Assess your skills and interests
- Determine desired time commitment (10-20 hours/week ideal for most)
- Consider remote vs. in-person work
- Network through professional associations and alumni groups
Retirement jobs should enhance rather than detract from your quality of life. The ideal balance provides meaningful engagement without the stress of full-time employment.
