Retirement Answer Man

Are work and retirement mutually exclusive? Here at the Retirement Answer Man world headquarters, we don’t think so. On this classic (throwback?) episode, we revisit the idea of pretirement. Pretirement is the concept that you can work and retire at the same time. If you aren’t ready to hang up your hat and sit on the park bench of life, you’ll want to explore the concept of pretirement. Listen to this vintage episode of Retirement Answer Man to ponder the idea of work and retirement and discover if this is the right concept for you. 

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Are you one of the millions of Americans in a sad state of retirement readiness?

Pick up any news article on retirement and you are bound to read about the fact that Americans don’t save or invest enough to support themselves over the course of retirement. We are healthier and living longer than ever before and our savings numbers just don’t work. But what is the right amount of money to have saved anyway? Whether you are worth $50,000, $500,000, or $5 million there will still be the feeling that you just don’t have enough. 

Do you think of retirement as a light switch between work and retirement?

According to a recent survey among Retirement Answer Man listeners, freedom is the number one aspect to retirement that you all look forward to. Be strategic about how to put a plan in place to slow down your working pace. Pretirement is the strategic phase in which you still earn income (maybe less than before) but you gain the time freedom that most seek from retirement. Rather than seeing retirement as an off-switch to working, pretirement is more like a dimmer switch. 

What are some benefits of pretirement?

  • It takes the pressure off of you to save everything you can
  • It takes away the worry about the economy
  • At the beginning of your retirement, your skills are still relevant and you still have a network of work contacts
  • Your longevity risk and market risk are the greatest at the beginning of retirement. Pretirement eases these risks
  • The retirement transition is a period of significant change, pretirement can ease you into that change 
  • You don’t have to dip into your savings so soon so your investments can continue to grow
  • You can delay taking Social Security which increases your benefits
  • You may experience a reduction in healthcare costs



  • [6:46] Most Americans feel that they are not retirement ready


  • [9:15] What excites you most about retirement?
  • [16:09] Why is pretirement important?
  • [19:42] What are the benefits of pretirement?
  • [27:22] What are some qualitative benefits of pretirement?
  • [33:28] Tips to start planning pretirement
  • [36:48] Some examples of pretirement work


  • [38:09] Think about what you might want to do for pretirement work


  • [38:58] You have a choice about how you respond to things

Resources Mentioned In This Episode

BOOK - The 100 Year Life by Andrew Scott and Lynda Gratton

BOOK - Built to Sell by John Warrillow

Couple Money Podcast

Stacking Benjamins

Rock Retirement Club

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement  by Roger Whitney

Work with Roger

Roger’s Retirement Learning Center


Direct download: RAM296.mp3
Category:general -- posted at: 6:00am CDT