Strategies & Lessons

Will You Work in Retirement Because You Want To — or Because You Have To?

Will You Work in Retirement Because You Want To — or Because You Have To?

May 19, 20251 min read

Will You Work in Retirement Because You Want To — or Because You Have To?

A shocking number of Americans plan to keep working into retirement — not by choice, but by necessity.

If your only income stream is a 401(k) or Social Security, you may find yourself forced back to work when the market dips or inflation hits.

The solution? Start building multiple income streams now — especially those that are tax-free and independent of the stock market.

Key Strategies Brent Covers:

  • Use IULs to create tax-free retirement income

  • Tap into living benefits if illness strikes

  • Structure your plan so you work because you want to — not because you have to

Retirement isn’t an age. It’s a financial condition. And you get to define the terms.

“Retirement is freedom. If you're still working at 70, it should be because you love what you do — not because you’re out of options.” — Brent Buffone

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