---
title: Should I Work in Retirement?
description: If you're worried about making your money last your lifetime, then continuing to bring in some cash through a job, even if it is part time, can be a huge help.
authors:
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    url: https://money.com/author/timestaff/
    articles: 459
    covers:
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      - Housing
      - Identity Theft
      - Insurance
      - Investing
      - Lifestyle
      - Loans
      - Mortgages
      - Personal Finance
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    former_staff: true
published: '2014-05-19T19:50:58.000Z'
modified: '2024-04-14T08:49:27.000Z'
section: Retirement
tags:
  - Retirement
  - retirement planning
  - retirement savings
  - saving for retirement
  - Social Security
  - working in retirement
canonical: https://money.com/collection-post/should-i-work-in-retirement/
type: Article
source: structured-blocks
---

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![Should I Work in Retirement?](https://money.com/img/logo-social.png)

If you're worried about making your money last your lifetime, then continuing to bring in some cash through a job, even if it is part time, can be a huge help. Let's say you take on some work that gives you enough income so you're able to reduce your [IRA](https://money.com/what-is-an-ira/) withdrawals by $15,000 a year for 10 years.

Okay, so you delay making that $15,000 [IRA withdrawal](https://money.com/collection-post/when-can-i-take-money-out-of-my-ira-without-a-penalty/) for 10 years and thus keep the money growing tax deferred at an 8% annualized rate. At the end of that 10-year stretch, your IRA will have nearly $220,000 more in it than it would if you had been withdrawing $15,000 a year instead.

One point to keep in mind: if you take early Social Security benefits (anytime between age 62 and your full retirement age), each dollar of income you earn above $15,120 each year will reduce your Social Security payout by $1 for every $2 you earn over the limit. Once you hit full retirement age, working won’t affect those benefits.

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