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June 13, 2006

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One of the (many) dangers to a retirement plan is a below average or negative return on investments in the early years of retirement - especially if you are also drawing capital to fund retirement expenses. Working a bit longer (full or part time) can make a huge difference to the number of years your retirement savings will last without compromising your chosen lifestyle.

There are of course many other benefits to working longer, including the ones that you mention. I would add mental stimulation and social interaction to the list as important reasons to either keep working or find something else that will occupy your mind once you quit the rat race.

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