Retirement doesn’t always mean the end of work. In fact, millions are stepping back in — and not just for the money. Some do it to stay sharp. Others need the income.
What’s surprising is how many are doing it — and how different it looks from the traditional 9-to-5.
How Common Is It?
You’re not imagining it. Working in retirement is more common than ever:
- Nearly 1 in 4 retirees report still working for pay
- 73% of people approaching retirement say they expect to work even after leaving full-time jobs
- Most are choosing flexible work: part-time, remote, consulting, or passion projects
And it’s not always about the paycheck. But before you jump back in, there are some numbers you need to know.
How Working Impacts Social Security
Social Security doesn’t stop if you go back to work — but it can be reduced depending on how much you earn.
In 2025:
- If you’re under full retirement age, you can earn up to $23,400 without any reduction
- If you reach full retirement age during the year, the limit rises to $62,160
- After that, there’s no limit — but those earlier reductions matter
→ Check with the Social Security Administration or a financial planner before changing your work plans. A small misstep can cost thousands.
Why Some Retirees Keep Working Anyway
Here’s what the research — and real people — are saying:
| Reason | What It Offers |
| Extra Income | Covers rising costs, protects savings |
| Health & Brain Boost | Keeps the mind active and the body moving |
| Sense of Purpose | Routine, goals, and the social side of being needed |
| New Adventures | Try something new: a hobby, cause, or side gig |
“Andy, 74, started working part-time at a local cemetery. Not for the money — but to stay connected and keep a routine.” — MarketWatch interview
What Kind of Work Are Retirees Doing?
Gone are the days of “retired means done.” The new retirement includes:
- Consulting for your old profession
- Part-time roles at local businesses
- Remote customer service or online support jobs
- Mentoring younger workers or volunteering with purpose
- Turning hobbies into income (selling crafts, freelance writing, etc.)
→ Some Happier at Home clients even ask for help setting up LinkedIn, Zoom, or email to stay job-ready.
What to Watch For
Before going back to work, keep these in mind:
- Taxes: More income could bump you into a higher tax bracket
- Medicare premiums: Earnings may affect what you pay
- Lifestyle: Make sure the job adds to your life, not stress
- Energy levels: You don’t need to work like you’re 35 — set clear boundaries
Not sure how it all fits? Many retirees find value in consulting a financial planner before signing on for a new gig.
Happier at Home Can Help
If you’re thinking about working after retirement, we can support you by:
- Helping set up tech for remote roles
- Connecting you to local part-time or volunteer opportunities
- Checking in weekly so you don’t feel like you’re juggling everything alone
Sometimes, just having someone in your corner makes all the difference.
Frequently Asked Questions
How much can I earn while on Social Security in 2025?
You can earn up to $23,400 if you’re under full retirement age without benefit reduction. The threshold increases to $62,160 if you reach full retirement age that year.
Are there health benefits to working after retirement?
Yes. Staying active — mentally and physically — is linked to better cognitive function and reduced loneliness.
What kind of jobs are best?
It depends on your goals. Some prefer remote support work, others enjoy face-to-face roles or passion projects. The key is flexibility and enjoyment.
Published May 2022 · Updated July 2025
This content is for informational purposes only and is not financial advice.
