Personal finance personality Suze Orman has issued a recommendation for workers to delay their retirement, emphasizing the high value of the final years of one's career. Orman argues that staying in the workforce longer—even by just a few years—can have a disproportionately positive impact on an individual's total retirement nest egg.

According to Orman, the primary benefits of extending one's career include the ability to continue contributing to retirement accounts, allowing those investments more time to compound, and the opportunity to delay claiming Social Security. By waiting to claim Social Security, retirees can secure a higher monthly payout for the rest of their lives. Orman suggests that many people underestimate the financial "cushion" these final years provide, noting that leaving the workforce prematurely can lead to a significant shortfall in long-term financial stability.

While Orman’s advice focuses on the mathematical advantages of working longer, she acknowledges that this strategy requires individuals to remain healthy and employed. The core of her argument rests on the idea that the "final few years" are the most productive for wealth accumulation, as workers are often at their peak earning potential and have fewer immediate financial obligations compared to their younger years. She encourages workers to view their career longevity as a strategic financial asset rather than a burden.