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Should Women Keep Working After Their Husbands Retire?

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Should Women Keep Working After Their Husbands Retire?

Baby boomers endured a 12% mortgage rate and Watergate, so they’re breaking some rules. Sometimes baby boomers are taking separate paths into retirement.

Have you planned on retiring together? Sometimes it works and is so much fun to make those memories together. Many married couples begin retirement at the same time. By retiring together, this benefit allows more time to spend together and numerous travel opportunities with freedom of schedule.

While retiring together has its benefits, you may be surprised to learn that sometimes it can work best to take separate paths into retirement. When, a woman, works a few more years, the benefits can make a positive difference on social security retirement income.

This separate path into retirement can help you be able to retire when you can best get all the advantages of any pension available too.

He retires, she works

In many marriages, women are younger than their husbands, typically by three years. Because of this, women often retire at an even younger age when they decide to retire along with their husband. Additionally, sometimes women have interrupted their careers because they wanted to be home caring for children or other loved ones. During this time, their earnings were zero, and if a woman decides to work longer, this can make up for that time when it comes to social security benefits.

If you worked part-time for an extended period, you obviously earned less income. Delaying retirement and adding income instead of retiring can replace those years with low numbers too.

Social Security Retirement Benefits

Social Security benefits are based on the 35 highest-earning years of your career. Benefits are available beginning at age 62, however, waiting longer to begin receiving benefits has its advantages and can increase the amount you receive.

Many deciding factors go into determining when is the right time to retire and be able to stop working. Many women could find it substantially beneficial to continue working longer and increasing their retirement income. Working a few more years can make sense and have a significant difference for retirement. This can mean taking separate paths into retirement instead of retiring together.

Often, if a woman wants to catch up regarding Social Security retirement benefits, they should keep working. Retiring a few years later can bring financial gains using the formula for calculating Social Security benefits.

Social Security retirement benefits are dependent on earnings over the course of their career. It is calculated based on their 35 highest-earning years. In some cases, women can continue to work longer and earn income and discover that their social security benefits can be more significant than a partial benefit based on their spouse’s lifetime earnings.

Review your financial planning and retirement plan to see if taking separate paths into retirement is right for your situation.

After Fifty Living™ was founded by Jo-Anne Lema, a genuine Boomer and member of the 50+ generation. As she likes to say, “Our enormous generation is charting new territory – we’re healthier, better educated, and more financially fit than any other generation at this time. And, as we march through history, 110 million strong – unique, new issues are developing. It’s exciting to be a part of the development and growth of This is a historic solution for a historic generation.”

Jo-Anne spent many years in the financial and operations side of higher education after having received a doctorate in education management and administration from Harvard, and an MBA from Southern New Hampshire University. Launching out on her own, though, has been the fulfillment of a life dream. Jo-Anne believes that “AfterFiftyLiving™ will delight its visitors, catalyze its partners, and will significantly benefit those who engage it.”

Residing in New England along with her husband of 35+ years, she never ceases to brag about her two children and 4 grandkids!

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