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Age 70: work 1-2 hours a day as a webmaster.
1. The money is OK. The work is easy. Working means no withdrawals from retirement funds.
2. Wife is 61. If I stop, she will also stop. Her part-time job helps avoid retirement withdrawals.
3. Own our own business, so medical insurance (and a bunch of other stuff) is deductible.
I chose ‘Other’ because DH and I are artists and love what we do (giving concerts, singing, playing, and writing songs, and I write novels and paint). In the unlikely event that my husband should predecease me, I wouldn’t tour anymore, but I’d still do everything else. I can’t imagine not creating, but then neither can I imagine life without him. I don’t worry about dying, but losing him is another matter.
One of my answers is other. I have been treated pretty well where I am. A lot of what I do is support for aging technology because I was around when it was bright, shiny, new and exciting. Not just around in general but at the same job so I have the historical knowledge of the particular implementations. Some of it is being displaced very slowly and will still be around when I retire. Anyway, it is very likely they will still have some need of my skills when I leave. I do old and new stuff and there are plenty of people who will pick up the new. I won't leave them in a lurch if they need a little help with it here and there, which seems inevitable at this point; they actually have me working on some very old Office document code to make it work with their new system that won't roll out everywhere until 2020. I am hourly and there is nothing official about retiring from the company. I won't be able to get benefits once I drop below a certain threshold. But there would not have to be any negotiation or new position or whatever, which is another thing that makes it likely. I will probably just start cutting back on hours instead of announcing that I am retiring and leaving. As long as the client is happy with me, my company bills my time with a margin. Also, they allow flex time and virtually unlimited telecommuting for my position. I could move wherever I want.
Husband has a business he can/will sell. After a while, he may want to do some work in another location and earn some extra money. He is a CPA and outside of tax work, he also does business valuations.
My business is just me so probably not something I can sell but who knows? Again, I would keep my license and if someone called me years down the road, it would be nice to be able to work with them.
It would be for the money but also to keep informed and in the mix.
I didn't see an option which really fits me. I prefer to not work at all once I retire. If it is a necessity, then I will. I *think* I would rather just work full-time until I don't have to anymore. I am 51; it is possible I will reach a point I will feel I just don't want to work full-time any longer, whether I can afford to fully retire or not.
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Other - in the future
