An older woman with a bike in a field.
Linda (not pictured) is still planning on working after retirement.
  • Linda, a retired Ohio teacher, must continue working, even though she'd like to retire.
  • She and her husband, both public servants, have lived modestly, but she still needs to work.
  • Many retirees face similar struggles with low incomes, dwindling pensions, and withering Social Security.

Linda, 64, has worked for the past 31 years, but that doesn't mean she's done.