7 hard truths about working beyond retirement age

Keep the job you have now

The best way to find employment after you reach retirement age is to hang on to the job you have now. Starting over somewhere else will almost certainly result in lower pay and fewer benefits. So if you enjoy what you’re doing (or can at least tolerate it), don’t abandon ship because of some preconceived notion that it's "time" or you want to work fewer hours and your current employer insists its full-time or nothing. Staying put is the surest way to maintain your income and postpone taking Social Security. That is a very big deal. Although you can start getting checks when you turn 62, your benefits will be at least 76% bigger if you wait until you're 70. That's when you'll really want to stop working— and you'll really need the extra money.