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Reply #52: Manual laborers might wish to take this ... [View All]

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frazzled Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Feb-06-10 10:24 PM
Response to Reply #44
52. Manual laborers might wish to take this ...
Or, they might prefer to shift gears and work at a less strenuous job for five or more years after 60, to earn some more money and get the higher social security benefit. I think there's a fairly significant advantage to SS benefits the longer you can hang on before taking it.

My father (now 93) worked in heavy labor. He was part owner of a family auto-parts store, and ripped apart cars and dealt with heavy equipment. He had parts fly off and smash his collar bone, etc. all the time. He retired involuntarily, when the business had to be sold. He was probably around 60. But he didn't stop working. He had earned a degree many decades earlier in pharmacy and had maintained his license all those years with annual course updates. So he went out and got a job as a pharmacist--but he had lowest seniority. They'd make him work the night shift, and send him to small towns. Nonetheless, he did this until he was in his seventies. And it wasn't all that easy for him. He'd never even seen a computer before. And then he retired. He'd managed to save some more money, and receive a higher SS benefit.

I am about to turn 60. That is why I have to tell myself it is the new 40. Because that is what everyone tells me. And it's too depressing to think otherwise. I do not have a strenuous job, and I am self-employed (I am not the main breadwinner in my family). I hope I can continue to work as long as I continue to get projects, and as long as my mind doesn't turn feeble.

But I take you point about people who need to or choose to retire early. I think I made that point in my post.

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