The people changing retirement with side hustles
When 66-year-old Londoner Sylvia Haller was laid off in February, it wasn’t just her income that took a hit. It was her self-esteem.
“I had this feeling like, ‘I’m too old,’” she says. “‘Nobody wants to employ me anymore.’” She’d taken pride in her work installing home improvements for elderly and disabled residents in Hackney. Losing that job was “pretty traumatic”.
But Haller’s pension was small and she wasn’t ready to retire. So she pulled herself together and began wading through online classifieds. But, she says, “I didn’t feel confident enough to go and apply for anything.”
When a friend told her about TaskRabbit, an app that allows workers to hawk all kinds of services – hands-on jobs like assembling furniture or sillier tasks like waiting in line for novelty breakfast foods – she was intrigued. She set up an account on her phone – it took her a while to get the hang of the platform – and lined up customers for a variety of different jobs.
The ‘gig economy’ has exploded in recent years. Companies including the Berlin-based Delivery Hero, which hires drivers to drop off food across Europe, Asia and Latin America; Didi Chuxing, a carpooling app so powerful in China it toppled Uber’s attempt at expansion; and TaskRabbit are upending the relationship between employees and employers, and changing the composition of a day’s work.
近年来，“零工经济”迅猛发展。总部位于柏林的“外卖超人”（Delivery Hero）聘用司机在欧洲、亚洲和拉丁美洲等地送餐；“滴滴出行”（Didi Chuxing）是中国的一款拼车软件，发展势头十分强劲，甚至使优步（Uber）的扩张计划化为泡影；“跑腿兔”颠覆了雇员和雇主之间的关系，改变了人们的日常工作。
In a 2018 trend report, researchers at Deloitte estimate 77 million people within Europe, India, and the United States formally identify themselves as freelancers. In the US alone, 3.7 million Americans were working on-demand in 2016; an updated forecast from Intuit and Emergent Research suggests that this number will surge to 9.2 million in 2021. And research by Kelly Outsourcing & Consulting Group suggests that the gig economy is also booming in the Asia Pacific region, where 84% of hiring managers say they employ gig workers.
2018年，德勤（Deloitte）的研究人员在一份趋势报告中估计：在欧洲、印度和美国，有7700万人自认为是自由职业者。2016年，仅在美国，就有370万人按需工作。据财捷公司和Emergent Research的最新预测显示，这个数字将在2021年激增至920万。凯利外包咨询集团（Kelly Outsourcing & Consulting Group）的研究表明，亚太地区的零工经济也在蓬勃发展，84%的招聘经理表示会雇佣零工。
For most of those workers, freelancing is a choice: only a small minority – 11% – of the more than 6,000 workers in the Intuit study said they were unable to find full-time jobs. They opted into the gig economy in the hope of exerting more control over their careers and, in an unpredictable, ever-changing economy, diversifying the sources of their income.
Gig work is often portrayed as a young person’s game – the purview of indecisive millennials who can’t commit to a ‘real’ career path or who graduated into the recession and never landed a full-time job. At the least, on-demand work seems to require a degree of energy and technological savvy typically associated with youth.
But almost one-third – 31% – of Americans who work exclusively in the gig economy are baby boomers, born between 1946 and 1965. That distribution isn’t unique to the US (although it hasn’t been as extensively studied worldwide). Researchers at McKinsey Global Institute, in a report which included Spain, Germany, France, Sweden, the UK and the US, found that more than three-quarters of the independent work force was 25 or older. Many are discovering that they don’t have enough money to stop working when they expected to; according to the Intuit and Emergent report, about half of American baby boomers have less than $100,000 in retirement funds.
但是，专门打零工的美国人中有约三分之一（31%）是1946年至1965年间出生的婴儿潮一代。这种现象并非美国独有（尽管目前还没有全球范围内的研究）。麦肯锡全球研究所（McKinsey Global Institute）的研究人员在一份覆盖西班牙、德国、法国、瑞典、英国和美国的报告中发现，超过四分之三的独立员工年龄在25岁或以上。许多人发现自己的钱根本没办法支撑退休后的生活。根据财捷公司和Emergent的报告，美国婴儿潮时期出生的人当中，约有一半人的退休基金不足10万美元。
But their motives are more than monetary. Boomers in the work force – compared to millennials and Gen X-ers – were least likely to be struggling financially and most likely to say they enjoyed their work. Among those 55 and older, 32% said they were compelled, at least in part, by a desire to be around “interesting people” (compared to just 15% of workers overall).
“To not know what kind of client you’re going to meet – it’s quite exciting,” says Haller. She recalls assembling a bedframe for a young fashion student, whose flat “in the deepest east London”, accessible only by “small cobbled roads” and “black iron stairs”, was littered with “sewing machines, lots of fabrics and clothes everywhere”.
Haller and her peers are onto something profound. According to Sigmund Freud, meaningful work is one of the two prerequisites of a happy life. (The other is love.) Our jobs can help us connect with our communities, feel a sense of fulfilment and even extend our lives; some researchers suggest a link between early retirement and early death.
Catching a second wind
For boomers who worked in physically demanding fields, digital gig work can be a relief.
Jerry Nelson, who lives in Argentina, loved being a photojournalist. But at 62, he says he’s “too old to charge into oak trees [and] hang out with drug cartels... My bones just aren't as strong.” Instead, he writes blog posts and marketing copy for clients he finds through Fiverr, a Tel Aviv-based platform that connects freelance workers with clients all over the world. “It’s been a phenomenal year,” Nelson says. “I don't have to maintain a website. I don't have to scrape and scratch for clients.”
The flexible schedule afforded by gig work may be especially appealing to boomers with family commitments. By using TaskRabbit Haller managed to keep her income stable, though she spends less time working – instead of clocking in from 08:00 to 17:00, she does “two hours here, three there, the odd Saturday. It gives me a lot more time to be home,” she says. “I’ve got two teenage boys. I’m quite glad I have more time for them.”
For other boomers, gig work is a way to finally pursue their passions. American Dan Hays, 68, spent most of his career in the oil and gas industries. In 2015, he had a fateful phone conversation with a client who complimented his voice – a smooth baritone with subtle Texas twang – and suggested he’d be good at voiceovers. Hays signed up for Fiverr and booked his first voiceover acting job. “The things I was doing in oil and gas and real estate – I could do them well, but they didn’t feed my spirit. It was very competitive, very stressful. At a certain point, I said, ‘I want to try something different.’”
Hays has since expanded his Fiverr offerings to freelance copywriting and scriptwriting. “I’ve been a writer since I was a kid,” he said, “and I love writing.”
Now, he spends only about 10 to 15 hours per week working. When he feels like he’s reached a good stopping point, he does “whatever suits my fancy”. When we spoke on a Thursday afternoon, he said: “I’m about to go out to the dog park and play with the dogs, and then I’m going to watch a football game.”
Maybe we all want the same thing after all.