Cutting hours on the way out often works better than a clean stop for people who cannot go from full time to none

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Working three days a week for two years is easier on a marriage than stopping work on a Friday. A higher retirement age changes the age people claim at far less than it changes the age they actually stop working Why do people struggle to retire early? Job sharing is the phased retirement arrangement employers accept most readily and employees like least. The sandwich generation retires straight into caring for parents and grandchildren at once Bonus and equity are usually the first things cut in a phased retirement deal and the last things anyone mentions. A phased schedule with no end date turns into a permanent part-time job at a prorated salary. A subsidized early retirement factor inside a defined benefit plan can be worth more than a year of salary The earnings test withholds part of the benefit above an annual limit and then recalculates at full retirement age Couples retiring within a year of each other have to renegotiate the daily schedule