What Are Your Retirement Options

When retirement gets close, there are a couple of options a potential retiree can take to make the retired life more comfortable and successful.  Both may be worth considering to help ensure that enough income is available to retire independently and successfully.

This is especially true with rising inflation and higher costs for everything becoming something we can count on for the foreseeable future.

Option One: Get as debt free as possible before retiring.

Getting and staying debt free provides a great buffer our retirement income, but, how do we get out of debt, when it’s so hard to just keep up with the cost of living. Being entirely debt free may not be feasible, but eliminating as much debt as possible will definitely put more money in your pocket.

Deciding to get out of debt is easy. Just make the decision. The hard part is actually doing it. Fortunately, there’s a lot of information available on this website and the internet that can point you in the right direction. You can start by getting a free copy of The Debt Destroyer For 21st Century Living“.

How to eliminate debt!

Get a FREE Copy of “Debt Destroyer for 21st Century Living”   and find out how thousands of people have eliminated debt and started enjoying themselves.  Twenty two pages of simple ideas that may help you streamline your time, orchestrate your finances, and cut back the stress of debt and total money matters. 

Find out how to manage debt and live a more stress free retirement. Check out the other free e-books I have on managing debt and saving money.

Option Two: Continue working after retiring.

If it’s not possible to get out of debt before you retire, then option two might be the way you increase your retirement income. The latest and greatest retirement option for most people is just to keep working after they retire. 

There are a lot of jobs and side gigs available for retirees. Just do an internet for “jobs for retirees” and you’ll find thousands of pages of information and some good job boards that you can look on. My favorite is probably indeed.com. This is not a recommendation, only my opinion.

Final Thoughts

Continuing to work is the newest thing that many people have included in their 21st century retirement plan.  There are lot of reasons why people choose to continue to work after retirement.  My post “Why People Retire and Then Keep Working“lists some of those reasons. Some have been gleaned from other older people, but mostly from my perspective as a retiree.


Most retirees are on a fixed income and some retirement income will be in the form of a paycheck.  That’s just a fact of life and there is not much we can do about that.  The reality is that a lot of us will continue to work in retirement.  The ideal situation is to retire debt free.  That gives us the best opportunity to have enough money to pay for the essential things like housing, food and medical care. 

With a little luck, there may be a little left over for savings or an occasional vacation.

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