Expectations vs. Reality: Most Plan to Work in Retirement, But Few Do
The 2026 Retirement Confidence Survey finds about 75% of workers expect to work for pay after retirement, yet only roughly one-third of retirees actually do. The gap has been consistent for decades, with barriers like limited part-time opportunities and the difficulty of re-entering the job market as an older worker. Many cite financial insecurity and rising costs as motivations to keep working in retirement, even as some retirees 'unretire' to earn more or stay engaged.