Retirement: A Right, a Privilege, or a Choice?

Preventing poverty in old age requires addressing social and economic inequalities throughout the life course.
Her red nail polish glistens under the soft light as she raises her glass of wine. Her hands, like her nails, are well kept, although the greenish color and fine lines on their backs reveal that she has many old stories to tell.
You cannot help but notice the creases around her red lips as they touch the rim of the glass. She’s quite aware that the people around the table are looking at her. She appears to welcome the attention, always keeping her graceful, aristocratic posture in check. She then glances briefly in my direction and looks away. You could tell that she had quickly decided that I didn’t belong to her kind (well, I am here only because my friend happened to be a friend of the manager of the restaurant).
You wonder what she did for a living and imagine it in your mind. Maybe she was a painter? Maybe a dancer? Perhaps she ran an inherited family business? She seems like some old countess living off old money, someone who never had to lift a finger her entire life.
And just when you think you have every reason to dislike her, she flashes a warm, generous smile, revealing a neat row of well-cared-for teeth and the wrinkles around her eyes that even makeup could not hide. Suddenly you think, she may just be as nice as your poor old auntie.
Speaking of aunties, I know an Aunt Sally. She’s that nice woman across the street that used to come home from work in the evening carrying bags full of groceries. Her children were often left with her mother-in-law or a babysitter until she’s home to care for them. It has been a long time since I last saw her as I’ve left town years ago to live closer to the city after securing a permanent job there. After getting laid off and living on a tight budget, I’ve moved back and just realized how much time had passed. Not only because of the changes around the neighborhood but also in the people I used to know, particularly Aunt Sally.
Sally had since failed to return to the workforce, despite occasionally finding freelance work when lucky.
I passed Sally one afternoon last week while she was carrying half a bag of groceries. We politely said our hellos, but to be honest, I almost didn’t recognize her. Clearly the years had been hard on her. Tina, her niece and a former college friend of mine whom I’ve remained in touch over the years, told me that she still visits her Aunt Sally every now and then. Tina said that Sally and the kids have been struggling to get by since Sally’s involuntary early retirement. Sally had since failed to return to the workforce, despite occasionally finding freelance work when lucky. Gosh, I thought to myself, forty years spent in the workforce (with a college degree, I might add), forty years of trying to make ends meet. She had put her kids to college, paid off her mortgage, and yet today, she is still struggling to survive and, in fact, slipping into poverty. Her college-educated children could not help much as they are too struggling to find work. Wow, that’s two generations facing unemployment!
Her sense of self-identity is defined by her work.
My older cousin Nora also faced involuntary retirement two years ago, although hers was not an early retirement. In fact, she remained in her company for two years beyond the official retirement age. Still, she couldn’t get enough of working. Just a month after her last day at the company, she was already traveling to another city to coordinate a workshop. Apparently, she had something like a phased retirement. In her final years of employment, she worked fewer hours and used the time to attend training courses that would add to her set of skills while planning her post-retirement pursuits. Smart woman, my cousin Nora. But of course, she had the money for those courses—which allowed her to enter the gig economy—and a passion for work. She has been an independent woman all her life, even when her husband was still alive, and she prided herself on her independence. She is certainly not the type to spend her day babysitting her grandchildren or go off on a cruise and just be idle. Her sense of self-identity is defined by her work.
“Life is short. I don’t want to be a slave all my life”
I have always found it interesting that Nora has a childhood bestie who is her complete opposite. Nora and Jenny have known each other since they were six years old, and Jenny is always present at Nora’s birthday parties where family is invited, so I’ve met Jenny dozens of times. In contrast to Nora, Jenny chose to take early retirement from her company. During our conversations around a table with expensive birthday cake and specialty coffee, she would often say that she had had enough of the fast-paced corporate world—toiling after hours for an insatiable boss and enduring a manager breathing down her neck. “Life is short. I don’t want to be a slave all my life,” I remember her saying on at least two occasions.
Having had a dual-income household and only one child, who now works for the government, has made it possible for Jenny to live and grow old with her husband of twenty-five years largely on social security benefits. I believe she is content living a simple and decent life in a modest house on the outskirts of the city, which she and her husband had saved up for almost their entire working life.
Sociologists have criticized the concept of work and retirement for being largely founded on middle-class assumptions.
Well, if corporate life feels like slavery, I wonder how factory workers would describe their working experience, and how they would retire. Many of us have heard stories of blue-collar workers who were forced to work, even after formal retirement, until their bodies gave out. When they do retire, they retire poor. Informal workers face similar issues, some working odd jobs with no pension plan, which raises the question: Is retirement even a choice? Then, I think of Aunt Sally, an educated former white-collar worker carrying a grocery bag only half full. Retirement may have saved her from “slavery”, but can she afford to be free?
I must admit that I occasionally read rather mediocre advice on the internet about aging and retirement, such as what is called “active aging”, in which retirees are encouraged to actively engage in voluntary or part-time work as a continuation of their professional identities. However, would all workers want to maintain their professional identity after retirement? Many workers, unfortunately, continue to work well into old age not to preserve their social status or sense of identity, but out of necessity.
How people experience retirement can reflect the accumulation of wealth for some and the accumulation of poverty for others.
Sociologists have criticized the concept of work and retirement for being largely founded on middle-class assumptions. The concept is generally viewed as a linear progression from education to career, and finally to retirement; the latter being equated with leisure. It overlooks the inequalities and labor market structures that shape how people from different social classes, occupational strata, and cultural backgrounds participate in the labor market and ultimately withdraw, voluntarily or involuntarily, from paid work. Furthermore, it is not only class-blind but also gender-blind. It disregards the effects of pay gaps and work interruptions experienced by women, as in most societies, women bear the primary responsibilities for unpaid caregiving and domestic work, which affect retirement savings and opportunities.
How people experience retirement can reflect the accumulation of wealth for some and the accumulation of poverty for others, particularly those with low incomes, limited access to better employment opportunities, inadequate or no pension coverage, and few or no assets. Earlier perspectives on retirement often individualize these problems, such as perceiving it as a person’s failure to adapt, maintain their health, save adequately, or prepare for old age. Today, there is greater recognition that retirement-related issues are rooted in broader structural conditions and should not be reduced to problems at the individual level.
Inequalities accumulate over the years, addressing them early in life is what will prevent the older population from falling into poverty.
Over the years, some governments have moved away from these narrow and often distorted retirement frameworks toward new policies based on the principle that security in old age is a social right. However, such policies will be insufficient if they solely focus on benefits provided to older adults. Instead, governments should promote universal social rights that are not tied to formal employment, such as access to healthcare, education, income security, pensions, and support them through strong public services across the life course. Inequalities accumulate over the years, addressing them early in life is what will prevent the older population from falling into poverty.
By the way, do you see yourself in any of the people I’ve described? This question extends to the male readers as well. Personally, I see a reflection of myself in Aunt Sally.
-Some Thoughts from the Cappuccino Girl- (2026)
You might be interested to read: Labor Disguised as Love: Tradwives and the Politics of Domestic Ideals in Times of Crisis
Image: Nataliia Vladimirova on Unsplash
Sources
Hardy, Melissa (2019) 'Diversification in Retirement Inequality.' J Gerontol B Psychol Sci Soc Sci, 2020, Vol. 75, No. 4, 823–826. Doi: 10.1093/geronb/gbz147.
Wanka, A. (2019) ‘Change Ahead—Emerging Life-Course Transitions as Practical Accomplishments of Growing Old(er).’ Front. Sociol. 3:45. Doi: 10.3389/fsoc.2018.00045.
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