6 Secrets to keep working happily at the 60s and beyond

As per the study by University of Michigan researchers, "About 40% of Americans, who were still working when they turned 62, had moved to a new occupation sometime after age 55."

The same research disclosed even an unfortunate fact, i.e. "The older workers experience a decrease in hourly earnings when joining a new job."

The lifestyle inflation forces people to keep working at 60s and beyond to maintain present lifestyle or to meet daily necessities. So, some people have to switch job at the older age so that they can continue working.

While some people don't want to bid adieu to their work at the conventional age of retirement, they switch job at the older age and keep working at a new workplace.

Keep working till 65 and above has advantages and disadvantages as well.

The situation becomes intense when their health suffers a lot due to the work pressure.

However, irrespective of the reasons, if you want to continue working for a longer time and switch job, you need to know the secrets to keep working at 60s and beyond with no regret.

Here you go:

1. Enjoy your work even more

If you have to work even after your retirement, then take the changes positively and have less stress.

Keep enjoying your new job and the paycheck at the end of the month. Your additional earning will boost your prospect for retirement security.

Don't think that your new job will not allow you to contribute to the retirement plan.

You can delay your social security claim and will get 8% bigger checks due to not claiming the benefits between the age 62 and 70.

2. Look the positive side of the changes

As per the report of The Center for Retirement Research at Boston College, compared to the previous generation, many persons are more likely to switch job at their 50s.

Thus, their career lengthens to the age of 65 and above. In many cases, people who switched to a new job at the bottom of their career got a lower wage.

It is rational to feel bad when underpaid and undervalued, but you should accept it positively since earning money for a longer time provides you financial security as well as it helps to feel relevant and less isolated.

Studies show that continuing to work for a longer time helps to grow a sense of confident and enthusiastic to live life.

3. Set strategies earlier

If you foresee that you might change your job at the age of your retirement, then start planning earlier.

Try not to accumulate too much debt just before switching your job.

Start paying off your existing debt and downsize your other financial obligations.

You need to start it at least before 4-5 years of your retirement.

Why do you need to do this? Because you need to be financially fit to survive during the phase of the career transition.

Once you have a steady financial health, you can give yourself some time to find a better job that you want to continue for a longer time. Also, your good financial position helps you to accept a job paying less than your previous one.

Remember, the job should be less hectic and you must feel good; otherwise, you may soon feel demotivated.

4. Keep updating your skills

There is no harm to learn new things or upgrade your skills. Because, based on your skills and updated knowledge, you will get hired and also be able to get your desired salary from your future employer.

So, if your current employer is providing you a chance to make yourself more efficient, then grab it.

5. Research earlier

Besides sorting out your financial health, you must also consider some research work on your future job. By doing so, you will be prepared when you need to discuss salary and other desirable things with the employers. You need to target some of the potential employers where you want to join at your 50s. So, don't allow time to fly.

Research online to be prepared earlier.

6. Think judiciously

Sometimes you need to decide your preferences properly.

Let me explain it clearly.

If the next job offers you less salary but comes with some really profitable perks like flexible work hour, vacation time, telecommuting, ability to bring pets to work etc., then you can sacrifice a fat salary to some extent.

This is not the end, you must think judiciously regarding the benefits that you truly need.

For example, health insurance benefit, medical benefits, paid time off, and retirement savings plan, are all vital benefits that you can get in return for a lower salary.

So, think properly whether or not the less is more for you.

Lastly, I would like to suggest you to keep motivated throughout the time especially during the transition phase.

See, you are deciding to work even after retirement. So, no one will question you; it is not even a rare thing or less dignified. Earning money and living life on your own term is always glorious than sitting idle.

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As per a survey conducted by the American Institute for Economic Research, 82% of respondents said that they left their job at the age of 45 or above and experienced a successful transition to a new job.

It is true that they had faced pay cuts and struggled initially, but after some time, their income increased significantly.

However, to experience a successful career transition, you need to remain consistent and work hard.

And to do so, you should definitely take care of your health. Once you feel fit, you can enjoy your work and live life enthusiastically.

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