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Can Working Keep You Young? Why You May Want to Rethink Your Retirement Plans
Healthy Living

Can Working Keep You Young? Why You May Want to Rethink Your Retirement Plans

Baby boomers are now entering retirement — or standing at the threshold. But that doesn’t mean they’re ready to clock out for good.

If you’re like most Americans, you’ve spent the majority of your adult life supporting yourself and/or providing for a family. So, when retirement age hits, many of us seize the opportunity to have the freedom to live on our own terms. But for others, a professional life provides a welcome opportunity for stimulation, social interaction and, oh yes, a paycheck.

According to a recent study, nearly 50% of retirees currently work, have worked or plan to work in retirement. And of those who aren’t working, three quarters would be willing to work longer — preferably part-time — to keep their savings intact longer.

Financial benefits aside, the American Working Conditions Survey (AWCS) shows that many older Americans stay in the workplace because they want to be there. Why? Waking up and going to work can help you stay physically and mentally active, lending to an overall healthier and happier life.  

Young at heart

Aging is inevitable, but keeping one foot in the workforce can be the secret to beating the clock. Here’s how:

Instilling a greater sense of purpose. There’s more to work than paychecks and benefits. Structure, fulfillment and recognition, for example, give people a sense of purpose and a reason to get moving each day. According to the AWCS, more than two-thirds of older working Americans feel they’re doing useful work and report satisfaction with a job well done.

Supporting overall wellness. From everyday social connections to employer-sponsored wellness programs, these on-the-job perks can help maintain your health and enhance your well-being. One study found that retirees who took a temporary or part-time job after retirement, compared to those who stopped working entirely, reported better daily functioning and less incidence of major disease.

Reducing benefits worries. From employer-paid health and life insurance to matching 401(k) contributions, workplace benefits are a huge plus — especially if your spouse is covered, too. It’s one less financial stressor to worry about. 

Keeping you busy until your spouse retires. Most couples plan to retire within a year or two of one another. So, if your spouse is much younger or not ready to retire just yet, you can avoid “home-alone syndrome” by working several more years.

Know your financial options

Whether you plan to work full-time, part-time or not at all, there are other financial planning opportunities to help extend your retirement savings. For example, a reverse mortgage loan (exclusively available to homeowners and homebuyers age 62 and older) allows you to borrow against the equity in your home, giving you access to funds you can use today, or a line of credit that will be there when you need it. There’s even an option available to homeowners and homebuyers as young as 60, called Equity Elite.

The future is what you make of it

No matter your retirement plans, Reverse Mortgage Funding could help you secure the funds you need to enjoy the years ahead. Call (888) 277-1567 and set up a convenient phone appointment to learn more about financing options available to you.


If you have equity in your home and believe you meet the eligibility requirements, a HECM may be the option that could help you retire smart.

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This content is sponsored by RMF, one of the nation’s leading reverse mortgage lenders. We are dedicated to helping older Americans live the retirement lifestyle that they imagined and deserve, in the comfort of their own home. As a result of our commitment to providing an extraordinary and positive customer experience, we have earned a 96% customer satisfaction rating; a 5-star / Excellent score on Trustpilot; 4.8 out of 5 stars on LendingTree; and an A+ rating with the Better Business Bureau. Call (877) 485-1359 to speak with a licensed reverse mortgage specialist to learn about our retirement financing products and solutions.