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June 29, 2006


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Unfortunately a lot of the financial sites are now touting the strategy of working longer as a fix for not having enough retirement money. You can never know when an injury or layoff might force you out and ruin your plan. A fat 401(k) in the hand is better than a well-paying job in the bush.. Or something. =)

I am a big fan of the idea of keeping active when in retirement. This includes working. The benefits of keeping physically and mentally active are huge. Personally, I think I would go insane if I did not have something to keep myself occupied.

I am hugely opposed to the idea that working is a means of financing retirement. In my rather simplistic view of the world, if you have to work to make ends meet then you have not retired - you are still working. People who plan to rely on work to finance their retirement are taking a huge risk on their future health and a number of other factors.

Like Kira said, if you can work that is terrific. Nothing will serve you better than a plan with some long-term disability and LTC insurance.

If you never need the policies, you can do whatever you desire along with having financial peace of mind. If you do have the insurance and need it, you can do what you are able to do with much less financial concern.

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