In the past decade, a new economic trend has taken hold in the U.S.—known as gig economy, which refers to people working various short-term, contract-based jobs instead of or in addition to a full-time job. When most people picture gig workers, they think of twenty-somethings delivering takeout or driving for rideshare companies between college classes. But there’s a growing—and often overlooked—segment of the gig economy: people over 60.
From freelance bookkeeping to pet sitting, handyman work to online tutoring, older workers are increasingly turning to short-term, contract-based jobs. For some, it’s a welcome source of flexibility and extra income. For others, it’s a financial lifeline in a retirement landscape that’s more uncertain than ever.
The reasons older adults enter the gig economy vary widely. Many are healthy, active, and looking to stay engaged while earning extra cash. Others are making up for retirement savings that didn’t stretch as far as planned, or for pensions and benefits that have been reduced. Rising living costs—especially for housing, healthcare, and food—have pushed many to find supplemental work.
Unlike traditional employment, gig work often comes without age discrimination in hiring. As one 67-year-old rideshare driver reported, “The app doesn’t care how old I am. It just cares that I show up, do the work, and get good ratings.”
For older workers who want to travel, help care for grandchildren, or work around medical appointments, the ability to set one’s own schedule is a big draw. Many also appreciate the variety—picking up different kinds of work rather than being tied to one employer.
Gig work can also be a way to test-drive retirement activities. Someone who’s always loved gardening might offer seasonal landscaping help. A retired teacher might tutor students online for a few hours a week. For those who thrive on social interaction, rideshare or delivery driving offers a chance to meet new people while earning income.
The gig economy isn’t all freedom and fresh starts. Gig workers are typically classified as independent contractors, meaning they don’t get employer-provided health insurance, paid sick leave, or retirement contributions. Taxes can be tricky—workers are responsible for setting aside and paying their own Social Security and Medicare taxes.
Another challenge: physical demands. Driving for hours, carrying heavy packages, or working on your feet can be taxing in your 60s or 70s. And while some platforms have measures for worker safety, others leave individuals largely on their own to deal with accidents, disputes, or unfair customer reviews.
The gig economy runs on apps, websites, and online payment systems. For tech-comfortable older adults, that’s no problem. But for those less confident with smartphones or unfamiliar with app updates, getting started—and staying active—can be a hurdle. Some platforms don’t provide live phone support, leaving workers to troubleshoot alone.
Another reality is income volatility. Demand for gig work can shift with seasons, economic trends, or even local events. A dog-walker in a small town might have a full schedule in the summer, then struggle for clients in the winter. Without a steady paycheck, budgeting becomes more complicated—especially for those balancing medical expenses or mortgage payments.
For anyone considering gig work, preparation is key:
- Know your expenses. Factor in fuel, equipment, taxes, and platform fees before deciding if the work is worth your time.
- Check the fine print. Read the platform’s policies on payment, ratings, and dispute resolution.
- Plan for taxes. Set aside a reasonable portion of your earnings for self-employment taxes.
- Consider your health. Pick work that fits your physical abilities and won’t risk injury.
- Diversify. Relying on a single gig can be risky. Having multiple income sources adds stability.
The rise of older adults in the gig economy reflects both opportunity and necessity. For some, it’s a path to purpose, extra income, and freedom from the 9-to-5 grind. For others, it’s a sign of economic pressures that make retirement a moving target.
As the workforce changes, so must policies and protections. Advocates argue for more portable benefits, clearer tax rules, and age-friendly training programs to help older gig workers succeed. In the meantime, people over 60 are proving that adaptability doesn’t have an expiration date—and that the gig economy isn’t just for the young.