Of the 262 readers who participated in our survey, 63% have plans to retire at age 65 or later, and a hardy 10% want to stop working after 75, or not at all. Even among the 45 and younger set, 56% plan to retire at 65 or later. At the spectrum's other end, 20% of this age group expects to call it quits before reaching 60.

How our readers think they will spend their retirement covers the gamut, from doing volunteer work to opening a microbrewery. Some are obviously dreaming: "Maybe my kids will support me when they get out of college."

- Alexander Grimwade

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