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To Work Or Not To Work Might Actually Be The Question

Boomers may have less of a choice than previous generations in whether or not to continue working

The only thing that kind of freaks me out about suspecting that our retirement accounts aren’t currently what they should be is wondering how long we’ll be able to work.

Doug and I are both self-employed. He owns and operates a web design firm, for which I work part-time. I am also an aspiring author, having (finally!) completed my first novel.

He loves what he does, and he’s brilliant at it. He never was very thrilled with “working for the man” until the man turned out to be him. I, too, have spent most of my lifetime resisting the lure of the cubicle. I’m hoping to have a late booming career as an author, a hope my agent believes is not misplaced.

But our freewheeling work lives don’t come without a price.

We have, of course, no pensions. And no vacation days, or sick days. Doug has long-term disability, which would kick in if he was totally disabled for more than 90 days. For the first 90, we’re on our own.

And then there are those fantastic “matching funds” we hear so much about. We don’t have those, either. No matter how things turn out for us when it comes time to finally retire for good, we will have provided all the dough. Doh!

Philosophically, we have no problem working long past the age of 65, especially if our work continues to be satisfying. In that, we aren’t alone. As MSNBC reports:

William Zinke had plenty of resources to retire when he reached his early 60s. He didn’t want to stop working but did want to get away from the hectic pace of New York, where he ran a human resources firm. So Zinke moved his firm to Boulder, Colo., where the pace is more relaxed. Seventeen years later, at age 80, he continues to put in full work days. “I’ve had a very good life,” Zinke said. “I’m proud of what I’ve accomplished, but I’m not done.” Zinke said he is fortunate to own his business and to be able to set his work schedule. He has formed a nonprofit organization, the Center for Productive Longevity, that is working to encourage other employers to help older workers with flexible schedules and other accommodations. “We need to change the way we think about retirement,” Zinke said.

The only difficulty we have imagining working well into our senior years is that we haven’t had this lifestyle modeled for us. Both of our fathers were dead by age 62, and our mothers moved into assisted living at much younger ages than we hoped they would.

So I’m wondering: Have you seen gainful employment successfully modeled among the elderly people in your lives?

And if you think you’ll be healthy enough to work far beyond the age of 65, what exactly makes you think so?


Posted by Katy on 06/10/08}
in CareersPersonal FinanceRetirement

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Are You a Late Boomer?

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