Your Extra Innings

           It’s been 2 months since I launched this blog and it’s been an adventure, a good one. I’ve learned a lot about blogging, writing, and thanks to feedback from you, a lot about your concerns about retiring. It’s for that reason I would like to reintroduce Your Extra Innings – Delay Your Retirement On Your Terms.

I created Your Extra Innings in the hope of being a guide for people who want to, or have to delay their retirement. Over the last 5 years, I’ve studied all experts I could find about this time in our lives and found that there was something missing.

There are a few really good books about delaying your retirement or creating an encore career, but they tend to focus on people who have the financial resources to enact significant career changes. They include stories about a lawyer who wants to do pottery, a CEO who started a vineyard, and a pilot who became a high school math teacher. These stories are all about people who can afford to not earn any income for a while as they take the time to get certified to teach, build their business, or grow their grapes.

My aim is to help those who want to delay their retirement but make that shift seamlessly, without an gap in income. We want to transition into an alternative retirement that allows us to maintain the benefits of working without the commitment to a full-time job. 

Your Extra Innings

Why “Your Extra Innings”?

The First Three Innings

Look at your life as a baseball game. In the first three innings, you are born, learn to walk and talk and hopefully graduate out of diapers. You move on to school, sports, dance etc. Through this process you train for a trade, employable skill or go thru college. The 3rd inning ends with you walking through the door into adult life and starting a full-time career.

Innings Four, Five and Six

In innings four through six, the process is you get your first fulltime pay check which leads to your first new car and it’s payments, your first serious relationship and it’s payments, then you buy a house and it’s payments and eventually you may have kids and their payments. You begin the process of building family; get a bigger house and a nicer car as your career advances. You become tied to the rat race and all the “keeping up with the Jones stuff”.

Innings Seven, Eight and Nine

Now comes innings seven, eight and nine. Your kids go through their first 3 innings and then, hopefully, out of the house. Your career is taking routine steps up with more responsibility and pressure, and the same goes with your spouse.   You go through mid-life and menopause and start thinking about You for the first time in thirty years. “What’s it all about?”  You start thinking about your later years. The problem is you are still paying the mortgage, the car payments, and your kid’s college, so for the time being you are coasting along the mid-life freeway which doesn’t appear to have any off ramps.

The ninth inning brings a glimmering light in the distance, and it’s called your retirement years. While this has been a mystical world that you heard tales about, it is starting to come into view. Is it real? Do I want it to be real? Will I really be able to retire?


Your Extra Innings

You thought about that new recliner and universal remote control. But you realize that delaying your retirement is becoming a real possibility. You may have to work to live how you want. You may want to work to have the life you enjoy. But it’s the bottom of the ninth and it’s time to plan Your Extra Innings. What are your options? If you are going to work, how much do you need to earn to meet your goals? There is a lot to consider and I’ll be getting into it with upcoming posts.

In my next posts I’ll start getting into the reasons why people will delay their retirement by getting into some of the positive reasons and the not so positive reasons. I appreciate all the comments and questions I receive so please keep them coming here:


Staying Sharp For Delaying Your Retirement

Delaying Your Retirement

The biggest risk we have as we approach the later stages of our careers is becoming obsolete. It’s easy to neglect keeping up with the latest advances in our industries or in technology. We risk being left behind and worse, disposable. We need to take responsibility for not allowing ourselves to become victims of ageism. Therefore, it is critical to stay relevant by keeping your skills fresh and up to date if you planning on delaying your retirement.

Just think about how much the world has changed over the last 30 to 40 years. Also, with our longer and healthier lives, the skills we need in order to continue to thrive will evolve. Education is no longer a one shot event. It is a continual process that should never end.

Bill’s Story (Not his real name)

Bill was an estimator. In putting together estimates you need to compare quotes and scopes from competing vendors. This is done by assembling a spreadsheet and comparing line by line of each scope. The problem was, Bill, who was in his 60s, didn’t know or want to learn Excel. He created his spreadsheets by taping together green accounting sheets, big enough to cover a desk, and doing everything by pencil and calculator. The possibility of errors by using this manual method was significantly more than using a computer, never mind how much time it took. And after one particularly big mistake, he was let go and replaced by an estimator who was up to date with current tools, like Excel.

Time To Do Your Homework

Now it’s time to do your homework. No matter how much you think you know, there is always room in your toolbox. Don’t be lazy. Open your eyes and do some investigating:

  • What are the latest industry trends?
  • What new technology is being introduced?
  • Chat with the younger folks? What are they using that you’re not?
  • Don’t ignore industry publications; even the ads can give you information.
  • Assess where your skills are compared to peers.
  • What skills and certifications are you missing?
  • Ask yourself “If I was hiring someone for my job today, what skills would the best candidate have?”
  • Where are you at risk of being left behind?
Delaying Your Retirement


Keeping up with the latest tools and apps can be a challenge for anyone, especially us more seasoned professionals. I’m reminded of a cartoon of a guy leaving a store with his new computer. As soon as he hits the sidewalk a flag pops up out of the box saying “Obsolete” and the same goes for us. Our generation is probably the last one with a built in fear of technology. But we are the ones who need to work hardest to grasp it. Our kids sure don’t.

Invest In Yourself

Delaying Your Retirement

School is not just for kids. There are 20% more people between the ages of 40 and 65 in college today than there were in 2000. Make the investment of not just money but time. Talk to people in the industry who are knowledgeable about the direction you want to go. What are the latest trends? Where do you see things going and what skills will be needed? If you commit to developing new tricks, create a plan and have goals to help you stay on track and get the tools you’ll need to delay your retirement on your terms.

Resources For Learning

Return to school

Community Colleges around the country are leading the charge by working with local employers to develop programs for in-demand jobs. Attending classes is the best way to hone your skills and connect with like-minded people. Many state and community colleges offer tuition waivers for people over 60 and some over 62. The amounts vary from 100% waiver to a fee of $50 and seats may be limited. Check with your local colleges to see what is available.

Online Learning

If time is a challenge and you want to keep your future plans under wraps, online courses through the local colleges are a great options. There are a bundle of online courses available through internet education companies. I’ve personally like Udemy and Skillshare which are apps you can get for your phone or tablet. They offer courses in everything from computer software training and accounting, all the way to learning to play the ukulele. Other highly rated internet course providers are LinkedIn Learning and Coursera. YouTube is another source for educational material from manufacturers, software tips and other skills.

 But my all-time favorite online learning resource is Khan Academy. It was started by a really smart uncle who lived away from his family but wanted to help his nieces and nephews with their school work. He started developing online tutorials that helped them learn basic things like algebra and physics. His tutorials started getting handed around so much he made them available to the public on YouTube. Thanks to contributions from Google, AT&T, and Microsoft it has expanded to now include computer science, finance and a bunch of other topics in different languages. Even today, Khan Academy is free but they accept contributions.

Delaying Your Retirement

Audiobooks & Podcasts

How do you spend your time commuting to and from work or other time traveling? Audiobooks, audio programs and podcast are a great way to improve your skills and general knowledge. Whether you want to learn management, finance, history or learn a language, the time you spend behind the wheel can be a great classroom. The best part is that through your local library or a phone app, these are free. For the last few years I’ve been learning about retirement options and starting a blog through a variety of podcasts hosted by the experts in those fields.

Blue Collar Issues

Labor intensive jobs don’t lend themselves to delayed retirements as easily as college educated professionals. This doesn’t mean they are to be excluded, remember Paul the electrician from the previous post. With training I’ve seen plumbers become estimators and CAD coordinators. Their field skills add a level of practical knowledge to their new roles that increases their value. People and businesses need to be creative and flexible in order to not lose this mutual benefit.

I Would Love To Hear What You Think

Please leave any questions or comments you may have. In my next post I’ll detail why it’s important to re-establish your network and the ways to go about it. If you provide me with your email, I will send the next post directly to your in box.


Your Extra Innings


It’s never too early or too late to strategize and plan. Take this seriously. In last week’s post How To Delay Your Retirement At Your Current Employer, I laid out the various work arrangements that are possible. In order for it to happen, you are the one who has to be proactive and come up with a plan that can be sold. Like many things in life, you are responsible for your results. Take planning Your Extra Innings seriously and it will work out your way.



1. If there is an employee handbook, take the time to review it for anything related to retirement, part-time work or anything in these areas. Know what the company policies are.

2. Don’t become obsolete and disposable. Stay on top of changes in the organization and industry. Don’t fall behind with technology. Are there things that other people are using that you are not up to speed on? Talk to the younger people in the organization. What are they using? Is there someone who could help you? Are there classes you can take?

3. Gather intelligence. Look at your situation from your boss’ point of view. What would their needs be? What issues would you need to address? What would they need to hear to buy in?

4. Pay attention to what is going on with your job and how it relates to the business. How does your work benefit the organization the most? What do you do that no one else in the organization does? What parts of your job can be done by others? How can you design a flexible work arrangement based on those questions?

5. Know your numbers. How much do you need to earn? Can you afford a cut in pay in order to be able to stay on their health insurance plan? Are you willing to give up paid personal time? You have to create a plan that is financially workable for your boss.

6. If there is a pension involved, review with HR the impact of reduced hours leading up to retirement. There also may be an issue with Social Security Benefits if you reduce your income leading up to the point you claim. I’m not an expert on either so talk with a financial advisor.

7. Create a written proposal that includes:  Your work schedule.  An outline on how your current duties will be handled by you and by others.  Work arrangement options including pros & cons of each: • Part-time • Freelance • Consultant • Phased retirement  Pay and benefits options

Your Extra Innings

8. Negotiations: Create a vision for your employer of how it will be when you are successfully working under the new arrangement. Focus on the benefits to your employer, not you. 

9. Don’t expect or push for an immediate response to your proposal. Your employer will need to digest this and probably talk with HR before any decision is made.

Paul The Electrician

This is a story about a guy I worked with named Paul. Paul is a commercial electrician who was 62 and near the end of his career. Being an electrician, some days Paul had to climb ladders installing heavy lights or climb into a trench and wrestle with 4” pipe. He knew that time was quickly coming to an end.

But Paul didn’t want to retire. He enjoyed working with his friends, and he liked going to the jobsites. So Paul took a look at the work he was doing and realized that besides installing the electrical work, his employer relied on him to do the layout work ahead of the crews. This way, when the crews got to the area Paul did the layout, they could just install conduit and not wait for someone to figure out where it went. The thing was, doing lay out only took Paul two days a week to stay in front of the crews.

Your Extra Innings

So after considering his options and creating a plan that he felt was good for him and his boss, he approached his Boss. He laid out his situation that it was either he was going to retire soon or he could just work two days a week doing nothing but layout. His employer didn’t want to lose Bob’s skill and knew this was a way of keeping him around for a while longer, so it was an easy decision. Bob even coached a couple young electricians on layout and measurement while he was working, ensuring his skill would continue on after he eventually retired. Everybody was a winner.

By taking the time and effort to review your work situation and being proactive, you can come up with a plan that helps you delay your retirement on your terms. But you have to take this seriously and make it happen. You can’t hope things will work out well.

If you believe it will work out, you’ll see opportunities. If you believe it won’t, you’ll see obstacles.

Wayne Dyer

Your question and comments would be appreciated. In my next post I’ll get into why it’s important to maintain life-long learning and the ways to go about it. If you provide me with your email, I will send the next post directly to your in box.