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

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