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Is Semi-Retirement a Work Option for You?

Would you like to work only eight to nine months a year, and have three to four months a year to travel, take up a hobby, create art, or write that novel?

This quasi-retirement option appeals to many older workers who want to spend more time enjoying life and less time working at the office. But, between being hit hard by job loss since the 2008 recession, or being sandwiched between young children and elderly parents, many people over fifty can’t afford to stop working. And some don’t want to quit – they just want to work less.

Either way, the same two questions arise. The first is, “How to pay for it?” Second, “How to get the free time?”

There are many ways to approach the affordability of this work lifestyle, and many specialists and resources available to gather knowledge and ideas for money management, debt reduction and residual income development. The bottom line is to find a way to live for a year on income generated in eight or nine months.

But it’s harder to find good advice and ideas on the second part of the equation. That is, how to get more free time than weekends and two week holidays a year?

For starters, if you’re not interested in changing careers or your current position, explore the availability of taking an unpaid Leave of Absence for two or three months a year. (And a future article detailing the things you need to consider with this choice.)

An additional option if you wish to remain in your current line of work is to independently contract your services back to your former employer. Ideally they pay you more, but often won’t include any benefits. However, you contract for a specific task for a specific period of time that works for you. The money might be a wash, but you will have gained control of your time.

If you’re open to doing a different job, there are four industries that routinely use part-time employees: Teaching, Tourism, Healthcare, and Taxes.

Starting a small business is another option, especially if you can connect it to one of the four industries mentioned above. For example if you live in a tourist area and are an avid photographer, you could start a business leading photography tours that only operate during those months. Offer tutoring services during the school year, or personal fitness and weight management right after the holidays. The list really goes on.

Does taking a few months off every year appeal to you? If so, the next question is how do you get to where you are now?

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