A little overwhelmed 9 months into semi-early retirement: to work or not to work, that is the question.

Reading other's stories is helping me, so figured I'd contribute.


"Retired" at 60 after a heart attack, stent, and actually healthier than before- regular cardio exercise is no longer an option. Worked a high pressure, constant travel, stressful job for too long, and never returned after the event.

My plan was to retire early anyway, so this just made it simple to pull the plug. Then came the identity crisis, feeling stupid I did not play the exit better financially...... most of the stages other people here wrote about so well.

Now I'm in a five year window until SS and Medicare, and feel the expenses are draining away the 401k at too high a rate. This mostly due to difficulty switching from saving/ investing to spending. Continuing family responsibilities continue much of the pre-retirement cash flow out.

I'm torn between following my dreams or going back to work for medical insurance and a slower burn rate.

Current projections at current spending rate reduces my " run out of money" age from 90 to 75. Should I care? Throw caution to the wind, after too many years of being too cautious?

Comments for A little overwhelmed 9 months into semi-early retirement: to work or not to work, that is the question.

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In response to "Back to Work" by Patrick
by: Anonymous

You made an important point and I wonder how many in this group have seriously thought about it. That is some of us may be in our retirement years for 30 years - who knows for sure? You mention you are planning to return to work. I would like to know what type of work are you aiming for and what is your plan to make that happen?

At our advanced age, landing a job is challenging so sharing your thinking about this would be helpful to others who may be interested in taking that step too.

Wish I could go back
by: Canada Retiree

Well my advice is work as long as you can. It’s not only for financial reasons but for mental health reasons. Working even part time gives your life structure and routine. Retirement has no sense of structure at times and can cause depression and anxiety. At least it has for me I would love a part time gig I’m trying volunteering but it’s not the same and you don’t get paid of course. I miss my work routine and paycheque! Not starving by any means but it’s nice to squirrel away some money. Anyway hang in there.

back to work
by: Patrick

I was forced to retire at 64 due to cancer. Two years later I am just getting back to normal

Although I have enough money, I still help out my children and grandchildren and that does drain the savings.

My daughter lost her job recently and we have had to pay her last two months rent and grocery bills for example. I really do not begrudge it but it is a drain when you are on a fixed income.

My advice would be to go back to work if you are able, as I plan to do. People our age will almost certainly have another 30 years of good quality life and you need to fund it.

Yes you can scrimp and save but no fun there. Work as long as you can is my advice assuming you enjoy the job.If it is stresses you out, then stop and enjoy the next 30 years.

retirement routine
by: mildred/tn

It is said in order to not run out of money to only spend 4 percent of savings, I retired at 57 because I wanted to etc.

Now 80 and still being frugal, saving, watching my pennies etc and have not gone broke,

When u have to spend on a big item learn to cut somewhere else. Just had to replace my fridge and was able to pay cash and save the interest of paying monthly, Plan for the emergency fund.

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