If you are a baby boomer woman, consider these facts; women not only comprise 46.6 percent of the U.S. labor force, but women 50+ account for more than 22 percent of the female workforce. In addition, 68 percent of women aged 50-59 are currently in the labor force, and 22 percent of these working women over 50 never plan to retire.
If you never plan to retire then what will you do? Let’s review 3 popular options:
1. Many women stay in the workforce but as consultants. They work less hours but make a higher hourly rate. The downside is that you may not get any benefits. If you 선물옵션 are drawing on Social Security, this may not be a problem but don’t underestimate the value of having health care paid by your employer.
2. Many women save up to start their own businesses. Be sure to have a solid business plan and enough capital to keep you going through rough times. The local chamber of commerce has a lot of support for small business owners. Many women in my neighborhood have home based businesses. One did storefront floral arrangements, another woman sewed personalized pillows and baby blankets, and another was a virtual assistant to small business owners across the country. This may sound all cutesy to you but all of them are pulling in six figures and don’t work crazy hours.
3. Women also are downsizing their homes and material stuff to be able to afford post retirement travel or invest in second homes. Time is precious as we all grow older and many just want to kick back and relax with the kids or grand-kids, or maybe just pursue a hobby or finish those books you have always wanted to read.
It takes money to finance the options above and if you haven’t started yet, now is the time more than ever to invest for the future so your options are not limited to just working until you drop. Working because you want to not because you have to is an option that is available to all of us. With a little planning and focus you can make your plan achievable.