3. Planning to skip retirement

Never be able to retire — Image credit: © Robert Byron | Dreamstime.com

Not everyone has retirement plans. Of the 10% of Americans who plan never to retire, the No. 1 reason they don’t plan to retire is that they don’t think they’ll ever want to stop working (42%). But others don’t feel like they can retire—close to a third of Americans who don’t plan to retire (31%) say it’s because they don’t think they’ll ever save enough to do so, and 18% say it’s because they have to/will have to support other family members financially.

About 1 in 6 Americans (17%) don’t think they’ll ever be able to save enough money to completely stop working, and 22% of Americans say their retirement plan includes working part-time.