I "semi-retired" at age 58 until full retirement at age 66. Spent 8 years of "semi retirement" working 40 hours a week as a contractor reading gas & electric meters. Money wasn't great but It kept insurance on the wife & me. Good outdoor work with lots of walking also pays off health wise. Even with earning less money it was still better than buying health insurance and it kept me in good shape and was a pretty low stress deal all around. A gig like that is good if you can swing it physically. Lots of older folks pay money to exercise. For 8 years my employer paid me to exercise and I had health insurance, too.