I try to imagine what kind of job you can get at 60 or 62.If you are close to being able to retire, many do not need or want a full $80K. Most prefer part time employment anyway.Books are full of ideas on how a retiree can make extra income if needed--1. Convert one of your hobbies into a business. If you make wood carvings or jewelry, sell some.2. Sell things on ebay (that you buy by spotting the undervalued stuff at yard sales etc)3. Take a tax preparation course and become a tax preparer during tax season. A dog groomer? A dog walker? Sitter?4. I know professional salesmen who take up real estate, especially commercial real estate. It takes months or years to close a deal, but can be well worth it.5. Become a professional investor. Learn to invest your retirement funds profitably.6. Buy income property and become a landlord.7. Work part time as a consultant in your previous industry8. Teach appropriate courses at your jr college or high school adult education program.etc, etc, etc
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