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3: Analyze Your Decisions

How Long Will You Work?


General Guidelines

  • Keep working until you’re sure you can afford to retire (unless your health or other conditions force you to retire).
  • Consult with financial advisors and human resource specialists to understand tax and benefit implications before making a decision to retire or taking an offer for early retirement.

“Older adults who continue working tend to be much healthier across multiple health outcomes ...”

~ Centers for Disease Control and Prevention

Depending on your age, you may have many years of work before retirement, or you may be looking retirement directly in the face. Regardless of your age when you decide to retire, choosing to work full time or part time before and during retirement is a decision that only you can make, considering your personal payoffs and trade-offs.

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