Lying in a hammock or perfecting the old golf game for 20 years might seem the ideal retirement to baby boomers at 3 p.m. on a hectic Wednesday, but it will likely lose its luster after a few years.

Unlike their parents, baby boomers have plenty of healthy years ahead of them once they reach 65, thanks to modern medicine. Add to that the shortage of skilled employees in the workforce , and baby boomers have the option of working through what was once considered the traditional retirement years.

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