[R_D_Olivaw]

While I like this idea, in theory, I think inevitably we need a new bracket that isn't "retirement" per se. So many people hit retirement age and they simply cannot stop working. And still do things and still continue working (if off the books they must).

I wonder if, with your proposed system, we should start working towards something between full employment and retirement and let it be a significant epoch of life.

I've always felt like 45-55 should be a time where you should be heavily incentivized (if not outright subsidized) to give back while you've still got the juice in you.

Not sure where I'm going with this... Just a thought

[nradov]

Older people aren't being forced to work off the books. Very few occupations have mandatory retirement ages. I mean commercial pilots are forced to retire at 65 but pretty much everyone else can continue working a regular W-2 job at any age if they want to, even if they are simultaneously collecting Social Security benefits or other retirement fund income.

[gwbas1c]

> So many people hit retirement age and they simply cannot stop working

In my case, I view retirement as being "financially independent" where someone doesn't have to work in order to obtain food, shelter, and health care.

At that point, there's always volunteering, artwork, inventing, watching grandchildren...