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After decades of working for someone else, it can be a huge relief to finally retire. But retirement doesn’t always turn out to be the fun and relaxing time workers often envision it to be. Here are 10 reasons it isn’t always a good idea to retire.
No penny pinching. Unless you are very wealthy, you’ll have to stick to a strict budget in retirement, which will be dictated by how much you have saved, how your investments perform, and the amount you have coming in from Social Security or apension. For most people, that will mean developing frugal habits, watching your savings dwindle each year, and hoping your nest egg will last the rest of your life. But if you continue to work, there’s less need to pinch pennies. You will still have money coming in for extras, like gifts and travel.
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