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Author: malakito Three stars, 500 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 767182  
Subject: Re: All or Nothing Date: 3/29/2000 2:13 PM
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Although my plan calls for full time then full retirement, I've considered a partial retirement situation mostly to ease the transition. The replies here have been very good food for thought.

One aspect I have thought of that has not been mentioned yet is the concept of "overhead". If I work for my employer 8 hours per day with a 1 hour commute, then I still might have that 1 hour commute even working 4 hours per day.

If going to half time slows down your retirement schedule by a factor of two, then you've just doubled your commuting overhead; i.e., you've become less efficient in achieving full retirement. The question is, do the rewards of partial retirement offset this reduction in efficiency?

There are other examples of this overhead as well. A second car, for example, might be needed whether you were part time or full time.

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