As inflation hits a historical high, many retirees are weighing their options to make ends meet.

First, there was the Great Resignation of 2020 and 2021 — when millions of Americans quit their jobs or retired during the pandemic. Now, 68% of workers who retired in the wake of COVID-19 are considering a return to the workforce.

While younger adults typically carry more debt — student loans, mortgages, car loans — today’s older generation is more indebted than ever before. In fact, 75% of retirees are carrying their debt through retirement.

If you’re approaching retirement age, don’t assume that the only successful retirement plan is one in which you never work again.

Semi-retirement often means keeping one foot in the workforce. You may shift to fewer hours at your current job, or leave your career for part-time work that’s less demanding or more fulfilling. Roughly 29% of U.S. workers ages 61-66 plan to reduce their work hours as they transition to retirement.

What matters most to you? How do you want your life to touch others when you’re gone? Inevitably, planning your legacy will also involve making sure the assets you’ve worked so hard for during your lifetime — like your home — will have the impact you envision after you pass away.

Retirement is often associated with big changes — from your daily routine to your finances to where you decide to live out your best years. It may spark the desire to relocate for a fresh start in a home that better fits your changing needs.