unretirement represented by a photo of a successful mature businesswoman working in her office

Is Unretirement Right for You?

Unretirement is a recent trend that some people in their later years are finding interesting. But is it right for you? Answering the questions in this post could help you decide.


The way people work and retire has changed drastically over the years. In earlier times people had one career, often in one position, until they retired. On this date, the retiree stepped away from the workforce to enjoy their golden years without clocking in ever again.

Today, people flit through several careers over their lifetime, jumping from office to office in search of new opportunities, greater fulfillment, and better pay. Retirement has undergone a similar facelift, as many people come out of retirement to work again.

This trend is called unretirement, and it might be something that interests you. Keep reading to find out if getting back into the workforce is right for you.

Do You Need Money?

Retirement often requires you to adjust to living on a fixed income that’s a fraction of what you earned while employed. You might find these new restrictions difficult to follow.

Retirees are especially vulnerable to the squeeze of the rising cost of living. You might not have enough money to cover the essentials. Going into unretirement can help you handle these expenses without feeling stretched too thin.

Other unretirees do so to feel more financially secure in an emergency. They send their paychecks into a liquid savings account, so they always have a little extra cash for unexpected prescriptions or household repairs.

Of course, getting a job after retirement isn’t the only way to be prepared in an emergency. Plenty of people (both working and retired) take out a personal line of credit to create a financial safety net in emergencies.

You can learn more about a line of credit online by visiting a site like Fora. You can browse the basics about this financial product before digging into specific rates and terms. Take note of these conditions before shopping around, so you understand the average cost of borrowing. If approved, your line of credit may provide financial peace of mind during retirement.

How’s Your Health?

As we age, our health needs change. In some cases, unretirement can be a boon to your health, as it gets you out of the house and on your feet. But for others, a job may take up more energy than you have to spare.

If you are willing to work but have limited mobility or are immunocompromised, an online job you can do from home could be an option.

How Old Are You?

Some people retire before they are old enough to collect their public pension. If you retired early for downsizing or medical reasons, you might want to unretire until you are eligible for your pension.

Do You Have a Private Pension?

In most parts of the world, people over a certain age has access to their public pension, but only a fraction of the population earns a private pension on top of their government checks. If you don’t have a private pension, you might want to unretire to supplement your public pension income.

Would Unretirement Give You a Fulfilling Way to Spend Your Time?

Money isn’t always the reason why people unretire. If you’re bored or lonely at home, a part-time job can keep you busy, and you’ll meet new people with whom to socialize.

Is this the only way to make friends as a retiree? Not at all! Seniors’ clubs are always looking for new members, and charities need volunteers with flexible schedules.


Will Unretirement Work for You?

Some people unretire because they want to; others do it because they have to. Work through the above questions to determine where you fall.