Well, first... working as much as possible untill your maximum retirement age can be the best way to retire securely. It is not until your maximum retirement age that you can receive full benefits while working.To determine your maximum retirement age, please visit:http://www.ssa.gov/retire2/agereduction.htmAnd, there are scores of good reasons to work as long as possible. Explore some ideas here: http://www.newretirement.com/Services/Working_In_Retirement.aspxOr, if you are interested in learning more about how your benefits would be affected if you work and are taking benefits before your "Full Retirement Age," visit: http://www.socialsecurity.gov/retire2/whileworking.htm