Ep 08 · Jun 24, 2026 · 40:55
Second Acts: Work That Isn't a Job
Consulting, teaching, and small ventures — what retirees are actually doing with the hours they got back.
Show notes
- Why part-time income in the first five years does outsized work for a plan.
- Consulting rates: charging for judgment, not hours.
- The earnings test if you've already claimed Social Security.
- Solo 401(k)s and the retiree who accidentally became self-employed.
Transcript
00:00 · Host
Almost everyone we talk to who retired at sixty is doing something for money by sixty-two. Not because they have to.
10:15 · Co-host
Twenty thousand dollars of income in year one is worth far more than twenty thousand in year fifteen, because it's money you don't withdraw during the risky window.
22:40 · Host
Price the judgment. You spent thirty years learning to answer that question in ten minutes — don't bill it as ten minutes.
33:05 · Co-host
And if you're under full retirement age and already claiming, watch the earnings test. It's withheld, not lost, but it surprises people.