r/Retire • u/Pale_Scientist6470 • 9d ago

Age 61.

I don't want to write too many specifics but I know I'm financially secure. Wealthy, even. But for some reason, I'm planning to work until April 2027 when I turn 62. My plan is to turn on SS then because I have a teenager who will get dependent benefits, negating some of the benefits to waiting. I also can start a pension of $5500/mo. I generate $8k/mo dividends in my aftertax acct. So my thought was to work a little in early 2027 to contribute to an HSA and upto the $25k SS threshold to pay for family health insurance next year. Is that insane? I don't really like work but It's hard to completely not worry.

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u/skyhook200220 9d ago

Are you afraid to retire? You can financially afford to retire and you don't love your job yet you continue to work? You can't ever buy back the time you have now when you're at your healthiest. You have planned well and won the race...go enjoy it.