More than three quarters of today's workers (77%) expect to work for pay even after they retire, according to a new Pew Research Center survey. Of those who feel this way, most say it's because they'll want to, not because they'll have to. But whatever the motivation, these expectations are dramatically out of step with the experiences of people who are already retired – just 12% of whom are currently working for pay (either part or full time), according to the Pew survey, and just 27% of whom have ever worked for pay while in retirement, according to a survey this year by another research organization.