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I Don’t Want to Retire at 65. How Long Can I Reasonably Work?

Retirement used to be the ultimate goal for most people, but times have changed. More and more individuals are choosing to work beyond their retirement age and for good reasons. While some enjoy their jobs or want to stay active, others need the money. However, it can be tricky to know when it's time to retire and what the best options are if you don't want to retire at 65. In this blog post, we'll explore the pros and cons of working longer, how to determine when it's time to retire, the top states in which retirees thrive and alternatives worth considering instead of traditional retirement plans. Let's dive in!

The pros and cons of working longer

There are many benefits to working beyond the traditional retirement age. One of the main advantages is that it allows you to continue earning a paycheck and contributing to your savings. This can be especially beneficial if you haven't saved enough for retirement or want to boost your nest egg. Working longer also keeps you active, both physically and mentally, which can have a positive impact on your overall health and well-being. It provides an opportunity to stay engaged in society, maintain social connections with colleagues, and even learn new skills. Another advantage of postponing retirement is that it gives you more time to plan what comes next. You may decide to switch careers entirely, pursue part-time work or start a small business venture. However, there are also some drawbacks worth considering before deciding whether working longer is right for you. One downside could be burnout from years of working without taking sufficient breaks or vacation time. Additionally, as we age our physical abilities may decline making certain job tasks more challenging than when we were younger. Ultimately though, the decision comes down to personal preference and circumstances – what works best for one person might not work at all for another!

How to know when it's time to retire

Retirement is a big decision that requires careful consideration. Many people approach retirement age without knowing if they should retire or continue working, and this can be stressful. There are a few key factors to consider when deciding whether it's time to retire. Firstly, take stock of your physical health. If you have any chronic conditions that make it difficult to work, retiring may be the best option for your well-being. Additionally, if you find yourself getting tired more easily or struggling with tasks that used to come easily, it may be time to start thinking about retirement. Secondly, evaluate your financial situation. It's important to have enough savings and investments in order to support yourself during retirement. If you don't have enough saved up yet but still want to keep working, consider delaying retirement until you've built up a sufficient nest egg. Assess your overall job satisfaction and career goals. Do you enjoy what you do? Are there new challenges or opportunities available? Do you feel fulfilled by your current role? These are all important questions to ask when considering whether or not it's time for retirement. Ultimately, the decision on when to retire is a personal one and will depend on individual circumstances and preferences. Take the time necessary reflect on these factors before making any final decisions regarding retirement plans!

The best states to retire in

Choosing where to retire can be a difficult decision, especially when you're looking for the perfect place to spend your golden years. While there are many factors to consider, including cost of living and climate, some states stand out as ideal retirement destinations. Florida is often at the top of retirees' lists due to its warm weather, beaches, and lack of state income tax. Arizona is another popular choice thanks to its sunny skies and outdoor activities like golfing and hiking. For those who prefer a more laid-back lifestyle, South Carolina offers charming small towns with plenty of history and Southern charm. If you're looking for natural beauty, Colorado's stunning mountain landscapes make it an attractive option for retirees who enjoy outdoor recreation like skiing or hiking. And if you want access to world-class healthcare facilities along with mild year-round weather, California might be the ideal destination for you. Ultimately, the best state for retirement depends on your individual preferences and priorities. Do your research and weigh all the factors before making a decision that will impact your quality of life in the years ahead.

Alternatives to retirement

Retirement is not the only pathway to a fulfilling life. There are plenty of alternatives for people who want to keep active and engaged in their later years. One option is to start a new career or business venture. Many successful entrepreneurs have started their businesses in their 60s, 70s, and even 80s! It’s never too late to pursue your passion and turn it into a source of income. Another alternative is volunteering. Whether you choose to volunteer at a local charity or abroad, this can be an incredibly rewarding way to spend your time while making a positive impact on others’ lives. Traveling is another great option for those seeking adventure in retirement. You can visit new places, meet new people, and experience different cultures all over the world. Additionally, continuing education can be an excellent way to stay mentally stimulated while learning something new. Enrolling in courses at your local community college or taking online classes can help you expand your knowledge and skills. No matter which path you choose, remember that retirement doesn’t have to mean sitting on the couch all day watching TV. There are countless opportunities out there waiting for you!


The decision to retire is a personal one that should be carefully considered. While there are both pros and cons to working longer, it ultimately depends on individual circumstances and goals. If you do choose to work past 65, make sure you regularly assess your physical and mental well-being, as well as your financial situation. If retirement seems like the best option for you, consider relocating to one of the top states for retirees or exploring alternative options such as part-time work or starting your own business. Remember that retirement doesn't have to mean the end of productivity or fulfillment in life. With careful planning and consideration, you can create a post-retirement lifestyle that allows you to continue pursuing your passions while enjoying a comfortable retirement.


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