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Semi-retirement boosts retirement savings

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Joe H., 62
Mount Pleasant, North Carolina
Retired, then re-entered the workforce
Married, four children
"I'll never reach $1 million in retirement savings, but I don't have to."

Joe's Tips

  • View retirement decisions as parts of a puzzle; keep looking for the right pieces that will work for you.
  • Don't take debt into retirement; you'll need much less to retire if you're debt-free.
  • Take part-time work, look for discounts—small things can add up.


  • Joe retired at age 60, but then went back to work, giving his retirement fund more time to grow.
  • Joe looks for any way to cut spending; a lot of small savings eventually add up.

Joe didn't want to wait too long to retire. With no debt and some financial changes, he didn't have to.

I retired from the Post Office in 2006 and the Air Force Reserves in 2007, but went back to work as a security agent at a hotel. I needed something to do. With the extra income, I was able to stop withdrawing from my retirement fund. My savings have gone up since then. I also believe you should be debt-free before you retire. You can live with much less if you do. I'll never reach $1 million in retirement savings, but I don't have to.

Piecing it all together.

I looked at our spending and found many places to cut. None of them are a lot, but small savings add up. I've also downsized my primary home and I'm carefully going into the stock market. I've learned that retirement is like a puzzle with several parts; each part is different for each person. You just have to find the right pieces and fit them all together.

Take the Next Step.

Let's talk about the retirement you want.

Call 877-673-7970 for your complimentary retirement consultation.