For many people, retirement unfortunately ends up coming as a financial shock. A lot of folks expect their expenses to drop dramatically in retirement, but then they realize that's not the case.

Furthermore, many people end up heavily reliant on Social Security to cover their living costs in retirement. And those without much savings often realize quickly that living largely on Social Security is not the best long-term arrangement.

It's not so surprising, then, to learn that 44% of current retirees have plans to return to work or are considering a return to a job, according to data from Fidelity Guaranty Life Insurance Company. And that's a move you may want to consider, as well.

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Source Fool.com