Why 'unretired' seniors are picking up gig work to pay the bills
[April 06, 2026] By
CATHY BUSSEWITZ
PLAINVIEW, New York (AP) — Before Stu Goldberg begins his night shift
driving for Uber, he pulls out a notebook to read a handwritten list of
reminders. “No tickets. Full stops,” he'd scrawled in the book. “Careful
backing up. Watch for pedestrians and bikes.”
With a Ph.D in neuropsychology and decades of experience running his own
business, Goldberg, 74, didn't picture chauffeuring strangers around
when he retired. But financially, things didn’t go as planned. So he
makes the best of his situation shuttling passengers through New York
City at night.
“I like the freedom. I like the flexibility. I like meeting people,”
Goldberg said. “I like that most of the time I can get, once or twice a
day, a good conversation with somebody.”
Goldberg is one of a growing number of Americans who have “unretired” in
recent years. After concluding decades-long careers at hospitals,
universities and corporations, they returned to the workforce due to
insufficient retirement savings, rising living costs and a desire to
stay active.
Some are finding gig work, or contract jobs, through apps or digital
platforms. Delivering people and parcels, taking care of pets or folding
other people’s laundry suits them because they can set their own hours
and work, or not, when they choose.
“We’re living longer, so people are working longer because they have to
fund those extra years,” said Carly Roszkowski, vice president of
financial resilience at the nonprofit organization AARP. “And this
concept of retirement for most people as like a cliff or a day they’re
working towards really isn’t a reality for most.”
Goldberg wanted to teach after winding down his software and
telemarketing company. But he needed to earn more money than what the
occasional adjunct professor job teaching statistics would pay.
“Uber came up, and it was not a bad choice for me because I was
comfortable driving people,” he said. “I felt it could be a good way to
make money and keep most of it.”
About 1 in 5 Americans over age 50 who aren't retired say they have no
retirement savings, according to a survey the AARP conducted in January
2025.
Retirees and employment experts say gig work has advantages and
downsides, including limited job protections and wages that may be
insufficient to cover on-the-job expenses. Here are some factors to
consider.
Stay active, but know your limits
Barbara Baratta, 72, retired as a pediatric nurse in 2018. But she got
restless after a few years and signed up with the pet care app Rover,
which connected her to jobs walking dogs and using her nursing skills to
administer medications to cats.
The work keeps her active. “I get my steps in and do hill climbing,” she
said.
In a leafy New Jersey suburb, Baratta set out to coax Barley, a mix of
pit bull, beagle and shepherd, into the afternoon air with a wind chill
pushing the temperature down into the 20s.
“Barley, if you turn this way, the wind will be blowing behind you,” she
said gently, leading the dog down a wide street.
Baratta likes the physical nature of dog walking. She ran two
half-marathons in the past year but notices that "being older and not
having knees that are totally great” makes steep or uneven terrain a
challenge even for her. She advises people in her age group to be
careful about which pets they agree to walk.
“Some dogs are big and strong, which can be an issue, a lesson I learned
very early on,” Baratta said. “An 80-pound dog, ... they’re going to
pull, they’re going to run away.”
Driving can be hard on the back and legs, and the challenge of finding
restrooms to use on the go becomes difficult to deal with as you age,
Goldberg cautioned.
A social buzz
Days can feel long and lonely after one retires. Working part-time can
provide social interaction.
[to top of second column] |
Retiree Barbara Baratta walks a dog, Duncan, in Short Hills, N.J. on
March 17, 2026. (AP Photo/Cathy Bussewitz)
 Baruch Schwartz, 78, was a wedding
photographer for decades until the work became too physically
demanding to do full-time. He started driving for Uber and Lyft and
derives satisfaction from feeling needed. “I feel like I’m on a
mission,” he said after taking a passenger home from a kidney
dialysis appointment.
Driving for Uber gives Goldberg a chance to meet a variety of
people. One night he spoke with a Scottish historian about the movie
“Braveheart.” Another night a passenger asked him how to know
whether it was the right time to propose to his girlfriend.
“I'm amazed at what people will tell me about their relationships,”
Goldberg said.
Flexibility — for a price
One of the draws of working for gig platforms is the ability to set
your own hours. Baratta's schedule allowed her to babysit her
grandchildren.
Goldberg appreciated the flexibility of setting his own hours when
there was a recent death in his family. But between that unplanned
trip and a root canal, and no vacation or sick days offered by his
job, he went several days without income.
“When that happens, even though you have the flexibility, which you
like, and you don’t have to call anybody and say ‘I’m not driving
today,’ you still don’t make the money that day. And you’re still
paying insurance,” Goldberg said.
Make sure the work is worth it
Before investing time into gig work, research what percentage the
company takes from workers' earnings.
“The house always wins, so the amount of money you are going to get
as a driver or delivery worker is very much controlled by the
platform,” said Alexandrea Ravenelle, a sociologist and gig economy
researcher at The University of North Carolina at Chapel Hill.
“There are no workplace protections, so if you get injured on the
job, if you have any types of problems, if you have a car accident,
for instance, you are entirely out of luck.”
Uber maintains commercial auto insurance coverage on behalf of its
drivers, although New York City requires drivers to hold that
insurance themselves, said Uber spokesman Ryan Thornton.
Goldberg hit three nasty potholes in three weeks, paying $144 each
time to replace the tires. He lost money those weeks, despite
working, he said.
“I’d say most drivers are not happy with the money that they’re
making, unless they’re working more hours than I’m willing to do,”
Goldberg said.
LisaKay “LK” Foyle, 64, of Orange, Texas, found a way to maximize
her earnings on Poplin, an app which connects her with clients who
need help with laundry. She has seniority among workers on the app
so chooses to accept express orders, which pay the highest rate, and
declines lower-paying jobs.
Foyle marvels at the state of some families’ dirty laundry: “all the
socks are inside-out, all the underwear is in the pants, and you’ve
got to check every single pocket, or you’re washing marbles or frogs
or the snacks they had that day.”
Baratta's dog-walking income supplements several small pensions and
Social Security benefits. She charges $20 for a half-hour walk, not
including her driving time to and from the location. Rover keeps
about 20%, she said. The $1,000 to $2,000 she makes per month helps
pay the bills, she said.
“The dogs and cats are delights,” Baratta said. “I’m not becoming
rich doing this, ... but I’ve met a lot of great families doing it."
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