Working After Retirement: 69 Post-Retirement Jobs That Can Change Your Life by Carol Lightwood by Carol Lightwood - Read Online
Working After Retirement
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Recommended by ‘Delivering Alpha’ and CNBC

Need more income after retirement? But what to do? And how to start? And what about age discrimination? In ‘Working After Retirement’ you will learn about 69+ jobs and types of work that require virtually no extra training. Most of the work is based on hobbies and work skills you have already. Every job you will read about is already providing income for a real retiree right now. Many can be part-time giving you the freedom you want—plus the income you need.

These are not fantasy jobs but real work done by retirees with varying backgrounds, educations and experiences. They range from corporate consulting to selling handcrafts to working as a campground host to making a tidy sum by driving your own car. 

Written by veteran author Carol Lightwood, herself retired and still working, this is a guide to actual jobs and self-employment truly suitable for retirees. It includes detailed information about resources and ‘how-to’ instructions to enable a retiree to start earning additional income quickly. 

Published: Carol Lightwood on
ISBN: 9781502261700
List price: $3.99
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Working After Retirement - Carol Lightwood

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Chapter One

The Oops Moment for Retirees

The life of a retiree is not what it used to be.

It is true that many people are living a traditional retiree lifestyle: financially comfortable, they spend their time on personal interests, traveling, visiting their families and are relishing every minute of it.

An increasing number of other retirees have continued to be employed after their official retirement age, full-time or part-time in their primary careers, because they enjoy their jobs and the camaraderie of the workplace. And still others work during their post-retirement years following their private passions. These people, too, have sufficient income plus time for personal interests, travel and family visits.

Then there are the people who experience the ‘Oops Moment’, the moment when they realize that the money they have stashed away for retirement will not allow them to have the retirement lifestyle they imagined. Or when they face the fact that their savings are not going to last as long as they plan to live. For these retired people what they thought was financial comfort suddenly becomes financial insecurity and all else in their lives becomes more limited, too.

If the ‘Oops Moment’ occurs long before actual retirement from a primary career, making changes is the obvious choice.  Recognizing a potential problem, a person can begin making adjustments to build up assets and savings for retirement. Clear solutions are delaying retirement, contributing more to savings or a 401K or even taking on a second, part-time job from the many found in this guide.

For many people, unfortunately, the ‘Oops Moment’ comes at or after retirement. What may have seemed to be a solid, sensible retirement plan when they set it up 20 or 25 years ago has become shockingly inadequate when faced with the reality of today’s cost of living.  Or perhaps they have been forced to draw on their retirement savings for an unexpected expense leaving them with far less money than they anticipated. Or it may be that these people simply did not—or could not—build sufficient savings for a worry-free retirement.

These people find themselves shaking their heads and thinking: I’m going to have to do something to earn more money.  But what?  How can I get a job at my age?  Who’d want to hire me now? And I don’t want to even think about the prospect of having no money at all and enduring an impoverished old age...

According to the National Institute on Retirement Security (NIRS), the majority of people entering retirement have less than one year’s salary in savings. And, sadly, there are many who have not set aside any money for retirement. A recent report by the NIRS revealed that approximately 18 million households made up of people between ages 44 and 64 have no retirement savings at all. Zero. None. ‘Oops’ does not even begin to describe their circumstances; it is far more serious. They seem to believe that they will be able to live on Social Security income alone. The retirees who are trying to do that are finding it to be extraordinarily difficult. The average monthly Social Security benefit is around $1300.  Even the barest of bare bones lifestyle is almost impossible in most of the U.S. on that small of an income.

Now these retirees are facing the hard fact that they are going to be forced to scale back their lives.  So they begin down-sizing. To cut corners they stop eating at restaurants and slash their clothing budgets. A night out at the movies or getting the car washed? Not a chance they will spend a dime on either of those. And vacations or trips to visit family members?  Now ancient history. Even worse, to reduce expenses some people turn off the heat and air conditioning in their homes—decisions that could prove dangerous to their health and lead to illnesses.

Upsizing your income

Down-sizing your life in retirement is, however, not the only way to cope with the ‘Oops Moment’.  This guide can help you solve the problem another way. You will discover that up-sizing your income after you have retired is far better and easier than you may have imagined.  After all, if you are a woman age 65, you can expect to live until age 86, according to the Social Security Administration.  A 65 year old man needs to plan for a life that extends at least to age 84. That means you will be spending around 20 years in retirement.  And who wants to spend 20 years living on a down-sized budget?

Armed with the information in this guide, you will learn how to earn additional money to supplement your current retirement income to maintain or even improve the quality of your life or earn enough to make that big, one-time purchase you hadn’t anticipated.

You will read about jobs suitable for retired people with varying skills, educations and employment backgrounds.  Some work is appropriate for people who have held managerial or corporate positions.  Other jobs are for people with little or no experience in an office and feel more comfortable with a hammer or sewing needle in hand.  Still others are based on hobbies or personal interests.

A lot of these jobs are actually fun and you very likely have the skills needed already.

The word ‘job’, however, does not necessarily mean working for a company 9 to 5 or working for someone else at all.  Much of the work in this guide involves self-employment and most jobs are part time or seasonal.  After all, one of the biggest benefits of being retired—even if you are working after retirement from your primary career—is the luxury of having time to do things you want. These retirement jobs allow you to do just that.

Another big benefit of self-employment (or as it is called these days, ‘entrepreneurship’) is that you will not have to deal with workplace age discrimination, which we all know exists in the everyday business world. You will be the boss making the decisions, as well as being the sole employee. And you know, of course, that even at your age you are an excellent, hard-working employee!

Proven sources of income for real retirees

Now this is important: every single job and every type of work you will read about is already a proven source of extra income