Are You Working Past Retirement Age?

So….how’s everyone doing? Are all my contemporaries retired? Am I the only one left? Come on guys throw me a life-line. Nurses General Nursing Article

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I've been thinking a lot about getting older (and older) recently. For me, nursing was a second career. When I graduated from high school, I immediately started nursing school because that's what you did in the 70's. However, about 18 months later, I realized I hated it and didn't want to continue with all the work. To be honest, I was very lazy and saw no reason to put in the effort that nursing required. Hmmmm...what to do? Well, I joined the USN and shipped out two days later. Didn't bother quitting the classes either so ended up with  <1.0 GPA. Along the way, I got married, had a couple of kids and worked several jobs. However, even I couldn't take the easy way out for my entire life. 

At 32, I decided to try nursing school again. Not easy with such a lackluster GPA, two young kiddos and a husband that was deployed.  However, I never do anything the easy way - LOL.  I was on academic probation the first year.  I completed an LPN certificate, then an ADN, a few years later BSN, then MSN then a couple of post-MSN certificates. I even started a DNP program but quickly realized that wasn't the route for me.  

I've been so fortunate in my nursing career to work with some fantastic people: other nurses, staff members, supervisors and colleagues. I loved the level one trauma center ED where I worked for 10 years, most of the time on night shift. The never-ending parade of patients with complaints ranging from minor to major trauma. I truly thrived in that environment - it forced me to be on my toes every minute of my 12 hour shift. So many good times yet so much sadness, the abused kiddos were always the hardest patients. You ED peeps know what I'm talking about.

After I became an APRN, I was very fortunate to land a great job in a large nephrology practice where I've been for the past 15+ years. Again, I am so lucky to work with some of the most passionate, compassionate, intelligent APRNs. My physician-colleagues always welcome questions and provide insight into patient care issues. As an APRN, while the job is much less physically taxing, it is MUCH more stressful mentally and emotionally:

  • Decisions about patient care that have possible dire consequences
  • Potential for errors
  • Conducting family meetings to discuss end of life care
  • Signing DNR forms

I joined AN in 2000 and was quickly hooked. I love AN. As it has evolved, so have I. Members come and go as have I. I've been fortunate to meet so many members over the years at conferences. The staff members that run AN are tops in the industry - they truly care for the vision of AN and guide it through the ups and downs of our world.

What's the point of all my ramblings? Am I going to announce my retirement? Nope, not yet. I'm working past "retirement" age. 

I would like to hear from others, like me, that for various reasons continue to work past "retirement" age. Why do you continue? Finances, family situations? Or something else? What keeps you going? 

If you've read this far, thanks.

Specializes in Med-Surg, NICU.
1 hour ago, NutmeggeRN said:

Ahem...school nurse here...awesome schedule, yes!! Cushy laid back job? Not so much!!

The cushy laid back job was in reference to working at the library, not as a school nurse. Sorry if that wasn't clear.

2 hours ago, RNperdiem said:

I am open to the possibility of working later in life. Women in my family can live a very long time.

The idea of a retirement at an arbitrary age with a pension and money saved up is a recent development in history. Traditionally in an agricultural society people worked in whatever capacity they could, and as they lost abilities, other family members picked up the tasks. I wonder how many people today will have enough saved to provide for the future they hope for in old age?

We don't really have to wonder. 

https://www.forbes.com/sites/tedknutson/2018/09/17/retirement-is-in-peril-for-most-working-class-americans-warns-new-report/

https://www.theguardian.com/money/2021/dec/13/americans-retire-work-social-security

https://www.epi.org/publication/retirement-in-america/

The trends have not been kind to millions of Americans. 

Specializes in Nephrology, Cardiology, ER, ICU.
On 2/23/2022 at 3:11 PM, Jedrnurse said:

Work past retirement age? Sure am. I've seen too many people in retirement display too many traits that I'd like to avoid.

Just curious - what traits are you hoping to avoid?

Specializes in Nephrology, Cardiology, ER, ICU.
On 2/23/2022 at 5:44 PM, Tweety said:

Given my birthday, my "retirement age" is 66 and 10 months I believe.   My plan is to work until I'm 70, get a lot of remodeling work done around the house (kitchen, bathrooms, etc).  I started traveling the world in my 50's so I won't wait until retirement  to enjoy that (another reason why I put off retirement because I spend so much on travel, but want to travel while I'm young).

However, I'm not so sure I can deal with the stress that much longer.  I am thinking about asking my financial advisor to run a scenario where I do retire at 67 but don't take SSI until I'm 70 and see what he says.  He already says that if I wait until I'm 70 and keep doing what I'm doing I'll be fine.

 

Kinda where I'm at too Tweety - plan to work at least another 4 years which puts me at my "full" retirement age. I too thought about deferring SSI and working part time or not at all until I'm 70. However, isn't SS based on your last few years of work? Would you take a penalty if you did that?

Specializes in Travel, Home Health, Med-Surg.
30 minutes ago, traumaRUs said:

I too thought about deferring SSI and working part time or not at all until I'm 70. However, isn't SS based on your last few years of work? Would you take a penalty if you did that?

https://www.ssa.gov/pubs/EN-05-10070.pdf
 

SS uses your highest 35 years of work for their computation. Every month past 62 you wait the monthly amount goes up a little. I had planned to retire at 62 and take what ever I got and work part time. You also need to figure in all the lost years ( if you wait until your full retirement age) in case you die early. Hard to say which is best but I guess it just depends on your personal situation.  I quit working before 62 bc of health reasons so my plan didn’t work out, well, as planned. 
Hope your plan works out for you!!
 

Specializes in Med-Surg, Trauma, Ortho, Neuro, Cardiac.
38 minutes ago, traumaRUs said:

Kinda where I'm at too Tweety - plan to work at least another 4 years which puts me at my "full" retirement age. I too thought about deferring SSI and working part time or not at all until I'm 70. However, isn't SS based on your last few years of work? Would you take a penalty if you did that?

Good question.  That's why I have an advisor.  ?

 

Specializes in Private Duty Pediatrics.

I'm 66, almost full retirement age, but I'm still working full-time. The money is nice, but the main reason I'm still working is that I enjoy it. Also, the need for more nurses is acute where I live. I think we have plenty of nurses, but they're either retiring early or taking some time off during COVID.

My plan, Lord willing, is to work until I'm 70 or so. Much depends on my health, strength, and endurance. Already, I've found that my endurance is becoming less; I tire more quickly than when I was 40. On the other hand, since I work private duty in the homes, I can cut back if I need to do so. I can work fewer hours, or I can work with clients who don't require as much physical strength.

Specializes in school nurse.
10 hours ago, traumaRUs said:

Just curious - what traits are you hoping to avoid?

I'd have to write an essay to cover it all, but many of my feelings about the subject come from seeing the culture of a city where my mother and her husband retired to in Florida, ie "The Villages".

Specializes in OB.
3 hours ago, Jedrnurse said:

I'd have to write an essay to cover it all, but many of my feelings about the subject come from seeing the culture of a city where my mother and her husband retired to in Florida, ie "The Villages".

Ha!  I grew up in South Florida, not near the Villages, but I know exactly what you're talking about ?

I don't plan on it but I know how I am - just being home will most likely not be enough for me.  I will probably continue working as a substitute nurse PRN in my school district as long as I am able to. 

Specializes in New Critical care NP, Critical care, Med-surg, LTC.

Just started a new job that requires 15 years to retire with full medical benefits and a pension, so I'm definitely all in until age 63. However, I don't see myself continuing the 1 hour commute longer than I have to, and I'm not willing to move closer to work. I also have a lot of longevity in my family tree, so if I get myself back into some sort of shape I intend to be hard to kill for many years. I see myself working in some capacity into my 70s. Now if all of my kids have moved away and have families I might adjust my plans to spend more time with them.  Finances will also play a part, but it's interesting to start thinking about, I know that 15 years will go by pretty quick!

Thanks for sharing your story, good luck with all your future plans. 

     H.E...'double hockey sticks' NO!  The nano second that I am financially able to retire, I plan to do so.  I'm a career RN with 30 years already invested and there is no conceivable way that I am going to give another 10-12 years working full time in bedside nursing.  Nursing was never my dream and retirement is the time I plan to pursue my true passions full time for once in my life.  No shame for me in wanting to get off the hamster wheel ASAP, I've earned it.