NEW YORK (NYSE/CNN) – For many, retirement means traveling, golfing and spending time with the grandkids.
But according to one survey, a growing number of people plan to keep working – forever.
Work until you die is becoming the new retirement plan.
A Wells Fargo survey says 37 percent of middle-class Americans don't plan to retire at all. They say they'll plan to work until at least age 80.
That number is up from 25 percent in 2011, and up from the mark of 30 percent in 2012.
One big reason why is money, and people trying to do more with less; the median household income has been falling since 2007, and a lot of jobs lost during the recession were replaced with lower-income positions.
Another factor is that some middle-class workers are nervous about investing in the stock market.
Many financial experts say, however, that stocks provide the best return on investment.
After the recession, the S&P 500 roared back and then some, and is currently at record highs.
But people who don't have the income or don't have the savings are planning to rely on social security as their primary source of income. At around nearly $15,000 a year, those people are planning to work longer.
It's not all bad news, though. Some are using retirement as a way to start a new career- the opportunity to finally do what they love.