{"id":906324,"date":"2026-09-26T15:06:12","date_gmt":"2026-09-26T15:06:12","guid":{"rendered":"https:\/\/www.newsbeep.com\/au\/906324\/"},"modified":"2026-09-26T15:06:12","modified_gmt":"2026-09-26T15:06:12","slug":"retiring-in-2027-heres-a-better-way","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/au\/906324\/","title":{"rendered":"Retiring in 2027? Here’s a Better Way"},"content":{"rendered":"

For many people, retirement goes something like this: Work a full day. Stop. Shut down your computer. Go home. Be retired.<\/p>\n

That may be oversimplifying things, but many people take a “hard stop” approach to retirement. They go from working full-time to not working at all without easing in.<\/p>\n

If you’re thinking of retiring in 2027, I’m here to tell you that a phased approach could make the transition easier.<\/p>\n

\"A<\/p>\n

Image source: Getty Images.<\/p>\n

Why easing in could work to your benefit<\/p>\n

Easing into retirement by shifting into part-time work for a period of time has its advantages. First, you’ll get a sense of what it’s like to live on a smaller paycheck. And that could help you avoid financial stress later on.<\/p>\n

You may, for example, think you can get by on a modest Social Security<\/a> benefit coupled with retirement plan withdrawals. But after giving a smaller paycheck a trial run, you might realize you don’t have enough income to cover your costs and do all the things you want to do.<\/p>\n

You’re better off learning that while you still have some job-related income coming in. That way, you can continue working part-time for longer if needed to boost your retirement savings<\/a> and make the numbers work better for you.<\/p>\n

Another reason to ease into retirement? You’ll see what it’s actually like to have many extra hours to fill.<\/p>\n

The idea of having tons of free time can sound exciting when you’re used to a 40-hour grind each week. But once you’re no longer holding down a full-time job, you may realize that keeping busy takes effort — and in some cases, money.<\/p>\n

Again, it’s better to navigate that situation while you still have a partial paycheck, and while you still have a job to anchor your weeks. If you find, for example, that you don’t like having a lot of downtime, you can research options for keeping busy while actually still being somewhat busy.<\/p>\n

Jumping right in may not be the best approach<\/p>\n

After decades of hard work, you may be eager to bring your career to a close in the new year and embrace retirement fully. Before you do, consider a phased approach if your workplace supports it, or if you’re able to pivot to some type of part-time role for the time being.<\/p>\n

You may find that easing in allows you to test the waters and work out the kinks so that once you’re ready for full-fledged retirement, it’s a much smoother adjustment.<\/p>\n","protected":false},"excerpt":{"rendered":"For many people, retirement goes something like this: Work a full day. Stop. Shut down your computer. Go…\n","protected":false},"author":2,"featured_media":906325,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[64,63,99,186,184,185],"class_list":["post-906324","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-au","tag-australia","tag-business","tag-finance","tag-personal-finance","tag-personalfinance"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/906324","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/comments?post=906324"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/906324\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media\/906325"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media?parent=906324"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/categories?post=906324"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/tags?post=906324"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}