10 Reasons to Delay Retirement

Your finances, social life, and even your marriage could benefit from working longer.

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[See The Workers Most Likely to Delay Retirement.]

Give something back. Many people approaching retirement have knowledge and skills they would like to pass on to the next generation. Some people would also like to leave a legacy for their children or the community that supported them throughout their career. One way to do this is to continue to work or volunteer in some capacity.

Flexible scheduling. When you have some money coming in from other sources such as Social Security, a pension, or your savings, you can afford to work less. Many people say they want to work part-time (25 percent) or cycle between periods of work and leisure (36 percent) in retirement, Harris Interactive found. Only 30 percent of those surveyed never want to work for pay again, and just 4 percent want to work full-time in retirement. "When people leave their career jobs, most of them don't leave the labor force at the same time," says Quinn. "They move to some other job that is of shorter duration than their career job, perhaps working three days a week or six months a year, doing something completely different." If you only need to put in 20 hours per week, delaying retirement doesn't sound so bad.

Twitter: @aiming2retire