What to Do When You're Not Quite Ready to Retire

Some retirees will work by choice, while many will work out of necessity.

Nearly three-fourths of Americans expect to work after retirement, according to a recent Allstate/National Journal poll that examines the changing view of retirement in the wake of the financial crisis. Just over half say they will work by choice, but many say they will have to work out of necessity. Near-retirees age 50 and older are more likely than younger workers or current retirees to believe that the economic downturn will have a lasting impact on their retirement.

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Mary Beth Franklin
Former Senior Editor, Kiplinger's Personal Finance