I'm 84 and work late nights from my wheelchair. I can't comfortably retire, and I intend to work until my 100th birthday.

This as-told-to essay is based on a conversation with Jane Way, 84, who lives in a suburb of Phoenix. Way works 30 hours a week as a US-based accountant for a South African orphanage. She works partly out of financial necessity but said she would work regardless, despite some health issues. This interview has been edited for length and clarity.

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