For a lot of Americans, the definition of retirement is expanding to include, um, work.

A new survey from the Transamerica Center for Retirement Studies paints a pretty grim picture, with four in ten people saying they expect to work during retirement because of shortfalls in savings and social security. Most people told Transamerica they still wouldn’t have enough saved by age 65 and nearly 80 percent said they’re worried social security won’t be there when they retire.

The retirement worries span all generations, but Baby Boomers led the charge, with two-thirds saying they’d keep working after retirement, or not retire at all. Forty-five percent said they expect their living standards to drop after retirement.

There’s a lot more in this release, but we put it to you: will you keep working after retirement age? What will you do, and for how long?

Some of you were blunt: retirement just isn’t happening.

Some of you left the door open to keep working, but voluntarily.

And finally, some of you are mulling a career move.