A friend of ours from Kansas called me a few days ago, and the conversation has lingered in my thoughts ever since. Her daughter, approaching 40 next year, has established herself as a successful manager in a midsize company. Meanwhile, her husband continues to work as a chef at a local Chinese restaurant, despite having surpassed the full retirement age. Rather than retiring, he has chosen to keep working and delay applying for Social Security benefits.
Most people, given the chance, would have retired by now to savor life while still in good health and able to enjoy it. However, for some people, work offers more than just a paycheck—it provides a sense of purpose and routine that can be hard to relinquish. Others might view delaying Social Security as a strategic financial move, knowing that waiting until age 70 can result in higher monthly payments.
However, while financial security is undeniably important, it’s equally crucial to make time for personal fulfillment. Retirement brings with it the freedom to pursue passions, travel, relax, and immerse oneself in experiences that truly bring joy. For those who are financially prepared, embracing retirement can open doors to new interests, quality time with loved ones, and the opportunity to genuinely enjoy the fruits of their lifetime labor and contribution to society: social security payments.
A Chinese saying, 人生七十古来稀 (Rén shēng qī shí gǔ lái xī), translates to, "It is rare for a person to live to seventy years old." This ancient proverb reflects a time when reaching seventy was a significant and uncommon milestone. Although modern life expectancy far surpasses this age, the wisdom within the saying remains relevant—life is unpredictable.
Even with advancements in healthcare, there’s value in considering how best to use the time we have, particularly in retirement. We should enjoy life as soon as it’s financially feasible. Life is too short to be spent solely in the pursuit of money or in a job that no longer brings value and satisfaction, especially when one has passed the age where other fulfilling options are still within reach.
Of course, ultimately, the best choice depends on each individual circumstances, including financial needs, health, job satisfaction, and personal values. It’s a balance between preparing for the future and enjoying the present. Let us hope that we can all enjoy the fruits of our labor when the time comes.