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Investing Specialists

Working Past 65? Three Ways to Make It Less of a Chore

Focus on improving your happiness quotient even as you stay in the workforce.

You've run the calculations. You've kicked up your savings rate, opened Roth accounts, maxed out 401(k)s, and tweaked your asset allocation to allow for more long-term growth. And despite all of your efforts, you're faced with a bleak scenario: You're going to have to work longer than you had originally hoped.

It might be small consolation, but you're far from alone. I shared a panoply of disheartening retirement statistics a month ago, and they all converge around one key idea: Most people hurtling toward retirement today won't have the financial safety net of a pension. Yet they haven't amassed enough of their own financial assets to cover their expenses once they retire. They have only one option left: working longer, provided they're able to do so.

Even if you don't absolutely have to work past 65, numerous studies and retirement calculators clearly illustrate the benefits of continuing to do so. Not only will you continue to collect your paycheck, but you'll also reduce the number of years you'll have to rely on your nest egg, thereby improving the odds it won't run out prematurely. Delaying Social Security past your normal retirement age also means that you'll receive a higher payout from the program.

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