Retirement used to mean hanging up your work boots for good, but let’s be honest—most of us don’t have that luxury anymore. With rising costs, disappearing pensions, and underfunded 401(k)s, the idea of a completely work-free retirement is out of reach for many. Even if you can afford to stop working, staying active and engaged can be good for your health, your wallet, and your sense of purpose.
The key? Finding a job that’s low stress—something that brings in extra income without making you dread Mondays.
Why Many Retirees Still Need to Work
For previous generations, retirement meant living comfortably off a pension, Social Security, and maybe some savings. But times have changed. Here’s why many people are finding that retirement doesn’t mean completely stopping work:
- The Death of Pensions – In the past, employers took care of their retirees. Today, most jobs don’t offer pensions, leaving people to rely on personal savings and Social Security.
- 401(k) Shortfalls – Even if you contributed to a 401(k), market fluctuations and the rising cost of living mean many people don’t have as much saved as they’d hoped.
- Inflation & Cost of Living – Groceries, rent, healthcare—everything is more expensive. Even people who thought they saved enough may find their retirement funds don’t stretch as far as planned.
- Longer Lifespans – Living longer is great—unless your money runs out before you do. Many retirees are working to ensure they don’t outlive their savings.
The Benefits of Working After Retirement
While money is a big reason retirees keep working, it’s not the only one. The right job can also improve your quality of life in several ways:
Psychological Benefits
- Sense of Purpose – Work keeps your brain engaged and gives you a reason to get up in the morning. In fact, staying active is one of the best things to do to prevent aging.
- Social Connection – Whether it’s chatting with coworkers or interacting with customers, working helps prevent isolation and loneliness.
- Routine & Structure – Many retirees struggle with the sudden shift from full-time work to nothing. A job can provide balance.
Physical Benefits
- Staying Active – Jobs that require movement (like dog walking or retail) help you stay fit. Even part-time work can keep you on your feet more than staying home all day.
- Cognitive Health – Engaging work helps keep your mind sharp, potentially reducing the risk of cognitive decline.
Financial Benefits
- Extra Income – Whether it’s for bills, travel, or spoiling the grandkids, a job provides extra spending money.
- Delayed Social Security Withdrawals – The longer you wait to claim Social Security, the more you receive each month.
- Less Financial Stress – Even a small income stream can help you feel more secure.
How to Choose the Right Low-Stress Job
Before jumping into the list, it’s important to think about what low stress means for you. Some people love working with people; others want something quiet. Some want to stay active, while others prefer remote work.
Ask yourself:
- Do I want to work from home or go somewhere?
- How much social interaction do I want?
- Do I prefer physical work or something more relaxed?
- How much flexibility do I need?
With that in mind, here are 13 low-stress jobs that are perfect for retirees looking to earn extra income without the stress of a full-time job.
13 Low-Stress Jobs After Retirement
1. Consulting
If you spent decades in a particular industry, why not use that knowledge? Consulting lets you work on your own terms, choose your clients, and charge a premium for your expertise. Plus, there are no performance reviews—just you and your wisdom.
2. Pet Sitting or Dog Walking
Love animals? Pet sitting and dog walking are great ways to stay active while earning some extra cash. Apps like Rover make it easy to find gigs, and best of all—your clients will never schedule 7 AM Zoom meetings.
3. Freelance Writing or Editing
Have a knack for words? Freelance writing or editing can be a great way to work from home, set your own hours, and avoid office politics. You can write about topics you love and get paid for it.
4. Bookkeeping
If you’re good with numbers but don’t want the stress of tax season, part-time bookkeeping is a great gig. Small businesses often need someone to manage their records but don’t require a full-time accountant.
5. Tour Guide
Live in a tourist-friendly area? Becoming a local tour guide is a fun way to share your knowledge, meet new people, and get some fresh air—all while getting paid. Bonus: you can finally use all those random historical facts you’ve been hoarding.
6. Library Assistant
Libraries are peaceful, quiet, and filled with books—aka, a retiree’s paradise. Many libraries hire part-time assistants to help with shelving, organizing, and assisting visitors.
7. Retail Associate (At a Low-Key Store)
Not all retail jobs are stressful. Working at a boutique, garden center, or bookstore can be a relaxed way to interact with people without the holiday shopping madness.
8. Tutoring
Whether you were a teacher or just have a knack for explaining things, tutoring is a fantastic way to help students while earning extra cash. Plus, no grading papers or faculty meetings!
9. Park Ranger or Outdoor Guide
Love the great outdoors? Many parks hire seasonal workers to lead tours, answer visitor questions, and simply enjoy nature. If fresh air and scenic views sound good to you, this might be your perfect gig.
10. Online Seller (Etsy, eBay, or Facebook Marketplace)
Got a hobby like woodworking, knitting, or thrifting? Selling handmade or vintage items online is a great way to make money doing something you love.
11. Event Usher or Museum Docent
Many theaters, museums, and event venues need part-time ushers or docents. You get to enjoy concerts, plays, or exhibits while helping others—and getting paid for it.
12. House Sitting
House sitting is as low-stress as it gets. Water some plants, check the mail, and relax in a nice home while the owners are away. Some gigs even offer free lodging in great locations.
13. Substitute Teaching (for the Brave Ones)
If you enjoy being around kids but don’t want the full-time commitment of teaching, subbing can be a great option. Choose when you work and say “no” to the chaotic middle school assignments.
How to Avoid Needing a Job After Retirement (Hint: You Have To Do This Now)
If the idea of working after retirement makes you want to scream into the void, the best strategy is to plan ahead so you don’t have to. While life can be unpredictable, there are steps you can take now to build a financial cushion and reduce the risk of needing post-retirement work.
1. Max Out Retirement Contributions
If you’re still working, prioritize your 401(k), IRA, or any retirement accounts available to you. If your employer offers a match on 401(k) contributions, take full advantage—it’s free money. If you’re over 50, use catch-up contributions to boost your savings.
2. Reduce Your Cost of Living
A big house, multiple cars, and expensive habits can eat away at your savings. Downsizing before retirement—whether that means moving to a smaller home, relocating to a more affordable area, or simply cutting unnecessary expenses—can make a huge difference.
3. Pay Off Debt Before Retiring
The less debt you have, the less income you need. Prioritize paying off high-interest debts like credit cards, and aim to retire with minimal (or no) mortgage, car payments, or personal loans.
4. Create Multiple Income Streams
Having passive income can make a huge difference. Consider rental properties, dividend-paying stocks, a side hustle you enjoy, or even an annuity that provides a steady payout. The more income streams you have, the less likely you’ll need to find a job later.
5. Delay Social Security (If Possible)
The longer you wait to claim Social Security (up to age 70), the bigger your monthly checks will be. If you can hold off for a few years by relying on savings or part-time work before retirement, you’ll set yourself up for a better long-term payout.
6. Plan for Healthcare Costs
Medical expenses can wreck even the best retirement plan. Consider opening a Health Savings Account (HSA) if you’re eligible, looking into Medicare supplement plans, and making sure you have enough saved for out-of-pocket healthcare expenses.
7. Be Realistic About Retirement Expenses
Many people underestimate how much they’ll spend in retirement. Create a detailed budget that includes healthcare, housing, travel, and daily expenses so you know exactly what you’ll need—and can save accordingly.
8. Consider Part-Time Work Before You Retire
If you think you might need extra income later, it can be easier to ease into a part-time role while you’re still working rather than scrambling to find one after retirement. A few extra years of earning can make a big difference in your financial stability.
The Low Down
Retirement doesn’t have to mean boredom—or stress. Whether you need extra money, want to stay active, or just like having something to do, a low-stress job can be the perfect balance.
The best part? You get to choose what works for you—on your own terms.
The statements and opinions made in this article are for general informational purposes only and are not intended to provide specific financial advice or recommendations for any individual or any specific security or investment product. The views and opinions reflected in this article are subject to change at any time without notice. For advice specific to you and your situation, please speak with your Financial Advisor.
