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“I don’t know how many people, unless they are extremely affluent, can afford to retire at 55, or even 65," she says. "Given the economy today, unless you were in a profession making a quarter of a million dollars a year, not too many can say ‘I’m confident enough to stop working.’ It’s not an age issue; it’s just what we are living through.”

For Felske, who cares for her 86-year-old father, working from home as a consultant has helped her keep creditors at bay and allowed her much-needed flexibility.

“The age of computers has changed the way people work in the latter part of their careers,” she says. “It lends all the leeway in the world to those who still have to work to bring in money or pay for benefits, but still need to take care of the necessities of daily life. If I need to take my dad to a doctor’s appointment, I can.”

Felske also credits technology with offering retirees opportunities in the fields of blogging, technical writing, and product reviews.

“Even when you hit the Social Security age, other expenses make working a necessity. Not everyone has a 401(k),” Felske says.

Another Cause for Gray Hair

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