. Anyone who waits until their full retirement age at 66 or 67 will get the full amount each month.
"We see a lot of retirees transitioning from full-time to part-time, and then part-time to fully retired," she says. "Think about that bridge window of maybe five to seven years where maybe you don't want to work five days a week, eight to 10 hours a day, but would work four or five hours on something you're passionate about."
It not only keeps you active and engaged while going into retirement, but the extra income could supplement your retirement income, too. "Dial down your spending," Horgan says. This suggestion works in two ways: helping you save for the future now, and becoming happier living on less once you do retire.
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