This Element is an excerpt from Save Your Retirement: What to Do If You Haven't Saved Enough or If Your Investments Were Devastated by the Market Meltdown (9780137029006) by Frank Armstrong III and Paul B. Brown. Available in print and digital formats.

Think the unthinkable! Why you simply might not want to retire (it's not just about the money).

Could it be that the financial shortfall you are experiencing-due to the financial meltdown, your inability to save enough, or some other factor-is actually a good thing? It could be if it forces you to think about the following sentence: "Maybe I don't want to retire." It's not as strange a thought as it may first sound....

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Frank Armstrong, III, CLU, CFP™, AIF, is the founder and principal of Investor Solutions, Inc., a fee-only registered investment advisory company. He has more than 30 years' experience in securities and financial services. His bestseller, The Informed Investor, was cited by BusinessWeek as one of the year's best investment books. Named by Barron's as one of the top 100 independent financial advisors, he was also a featured columnist on Morningstar.com and contributes frequently to AccountsWorld.com and FundsInteractive.com. He has appeared on CNN Headline News, Your Money with Stewart Varney, PBS Morning Business Report, CNBC, Money Life with Chuck Jaffee, and many public radio stations.

Paul B. Brown is a long-time contributor to The New York Times and co-author of the best-selling retirement guide, Grow Rich Slowly. He is a financial expert for ThirdAge.com, the popular Web site devoted to the concerns of people over 40. He has served as a writer and editor for BusinessWeek, Forbes, and Inc.