Should You Work Part-Time in Retirement?

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions explore a question many retirees wrestle with: Should you work part-time in retirement?

Jim and Casey break down the financial and lifestyle implications of part-time work after leaving a full-time career. They discuss how part-time income can affect Social Security benefits, taxes, Medicare premiums, and long-term retirement sustainability. They also talk about the non-financial side — including purpose, fulfillment, flexibility, and avoiding burnout.

Whether you’re considering consulting, seasonal work, passion projects, or simply keeping busy, this episode helps you think through how part-time work fits into a well-structured retirement plan.

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Episode Breakdown

00:00 – Introduction: The idea of working in retirement 01:34 – Why more retirees are considering part-time work 03:10 – Financial benefits of working part-time 05:02 – How part-time income affects retirement withdrawals 06:46 – Social Security earnings limits explained 08:38 – Tax considerations and income stacking 10:20 – Medicare premiums and income-related adjustments 12:08 – Lifestyle benefits: purpose and structure 13:56 – Potential downsides and burnout risk 15:40 – When part-time work makes strategic sense 17:26 – How to incorporate part-time income into your plan 19:18 – Questions to ask before committing 20:30 – Key takeaways and final thoughts

Disclaimer

Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.