Americans are redefining retirement, with 75% now saying they intend to work as long as they can, Bankrate found in a survey of 1,003 adults 18 or older.

Thirty-nine percent said they would continue to work because they enjoy work, but nearly one-third said they will keep their nose to the grindstone because they will need the money.

This plan may not become a reality, for only 15% of those polled who are already retired are still working. In addition, 55% of retirees worry about money and wish they had saved more, compared to only 38% who think they have enough money.

Only 27% are working with a financial adviser, 40% are self-directed, 18% don’t invest in a retirement plan, and 9% don’t utilize any strategies.

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