A financial advisor <a href=" http://www.academicpresseurope.nl/?essay-on-uses-and-abuses-of-computer#matter ">thesis statement expository writing</a> Many workers say they need additional income to pay off mortgage or other debts (15 percent) that are increasingly being carried into the retirement years. A few people also encountered unexpected retirement costs, such as needing to financially support family members after traditional retirement age. Some employees are forced into semi-retirement due to cutbacks in hours or are forced to cut their own hours due to frail health or the physical demands of the job.