One quarter of people who are planning to retire this year do not feel ready to give up work, research suggested on Wednesday.
Some 24% of people questioned were reluctant retirees, while just 31% said that they are looking forward to ending work, Prudential found.
More than half (57%) of those surveyed said that they would consider working past the state pension age, although most of these people said that they would prefer to carry on part-time rather than having a full-time job.
Scroll down to see baby boomers who make life look easy. We don't think they'll be retiring anytime soon!
Four in 10 of those thinking about working past pension age said that they needed to boost their retirement income - but a similar proportion said that they would be happy to work on because they enjoy it so much.
One in 20 of those considering prolonging their working lives said that they would like to start up their own business while 9% would like to use a hobby to boost their income.
Prudential recently found that nearly one in five Britons planning to retire this year will have outstanding debts, amounting to £31,200 on average.
However, this figure is lower than a year ago as fewer people retire owing money on their mortgages. Rock bottom interest rates have helped many mortgage holders to pay off their loans more quickly than they had expected.
Meanwhile annuity rates, which set the size of someone's retirement income for life, have plunged.
The insurer previously found that this year's retirees expect to have a typical annual income of £15,300, making them around £3,400 a year worse off than workers who retired in 2008.
Stan Russell, Prudential's retirement income expert, said: "In the past, people went from being in full-time employment one day to being retired the next.
"Retirement is much less of an event these days due to flexible working behaviours, and this is reflected in the attitudes of the class of 2013."
More than 1,000 people planning to retire this year took part in the research.
A Department for Work and Pensions (DWP) spokeswoman said: "Reaching state pension age doesn't necessarily mean having to hang up your work shoes.
"With 11 million British people now expected to live to 100, people should have the opportunity to work for longer.
"That's why we abolished the default retirement age - the last bastion in age discrimination."
The actress told Huff/Post50 that <a href="http://www.huffingtonpost.com/2012/01/27/diane-keaton-on_n_1235294.html" target="_hplink">with age has come more clarity and focus</a> -- attributes she said she didn't necessarily have in her 20s and 30s. "I think it gets more difficult as you get older because you're facing the end and endings are ... unbearable. Our lives are basically about facing that tragedy. And I think the sooner we face that we're going to die, the easier it is to appreciate the moments in life... When we realize that our lives will end, we take less for granted. That is what I've learned from loss. The whole thing is a fantastic mystery so all we can do is appreciate each moment."
When it comes to aging and beauty, <a href="http://www.huffingtonpost.com/2012/03/23/susan-sarandon-latest-role_n_1370618.html" target="_hplink">Sarandon takes an admirable "to-each-their-own" mentality</a>, telling <em>The Independent</em> she would never weigh-in on what people do to make themselves happy. Her best advice? Sarandon<a href="http://inyourface.ocregister.com/2008/05/16/susan-sarandon-says-women-can-change-their-bodies-however-they-want-to/" target="_hplink"> has said:</a> "The only thing I'd say is that learning how to forgive yourself for not being perfect is probably a really positive step."
The legendary crooner has a straightforward, make-no-apologies take on age. "That number doesn't mean a thing," <a href="http://www.people.com/people/article/0,,20198482,00.html" target="_hplink">she told Oprah in 2008.</a> "It just doesn't."
"I think you have to enjoy getting older. That's the most important factor. If you sit around and think, 'Well, at 21, I was doing this,' or 'at 31' -- or what have you ..." Eastwood <a href="http://www.cbsnews.com/stories/2004/01/27/60II/main596292.shtml" target="_hplink">told CBS news</a> back in 1997. "A lot of people maybe do their best work when they're 40 and then tail off. But I think that's a mental attitude. I've done my best work, I think, now," he said.
Modesty and a healthy dose of humor are keys to Mirren aging so gracefully. When a gym recently gave her Body of the Year, she <a href="http://www.dailymail.co.uk/tvshowbiz/article-2035272/Helen-Mirren-left-blushing-The-View-hosts-admire-Body-Year-THAT-bikini.html" target="_hplink">told the women of The View</a> that she just sucked in her stomach. "It was a beautiful thing that these fitness people did, I have to say," she said. "I think it was recognition of the fact that you don't have to be perfect."
The cancer survivor <a href="http://www.health.com/health/article/0,,20411904,00.html" target="_hplink">told Health.com</a> that she is enjoying the aging process: "I definitely am embracing aging. When you shoot your face with Botox and stuff, you rob yourself of your ability to have youthful expressions, and that's why sometimes people look a lot older."
In addition to maintaining a healthy love life with his wife Trudie Styler, the musician throws himself into yoga and embraces a positive outlook on life, <a href="http://www.usatoday.com/life/music/news/story/2011-09-28/sting-at-60/50594354/1" target="_hplink">telling <em>USA Today</em>:</a> "When you reach a certain age, you realize that life is finite. You can be depressed by that, or you can say, 'I'm going to appreciate every minute to its maximum potential.'"
"I consider 50 to be young. People are living so much longer, and besides, I don't think I look 50. I take really great care of myself," the actress told <a href="http://www.blackbookmag.com/nightlife/kim-cattrall-waves-goodbye-to-the-city-but-not-to-the-sex-in-meet-1.23372" target="_hplink"><em>BlackBook</em> magazine.</a> Which is not to say Cattrall's afraid of her wrinkles. According to <a href="http://www.blackbookmag.com/nightlife/kim-cattrall-waves-goodbye-to-the-city-but-not-to-the-sex-in-meet-1.23372" target="_hplink">BlackBook,</a>when the actress was asked if she wanted to have some photos heavily retouched she said, "F*** it. Leave it all in."
When it comes to aging well, the stunning supermodel embraces kindness in its many forms. "For me, skin care rituals are a form of meditation -- they keep me balanced. I am kind to my skin. I remove my makeup as soon as I get home and I apply moisturizer," <a href="http://www.oprah.com/style/Bobbi-Brown-Laura-Mercier-and-Imans-Beauty-Secrets/2" target="_hplink">she told<em> O, The Oprah Magazine.</em> </a> "But just as important as being kind to my skin is being kind to younger women," <a href="http://www.oprah.com/style/Bobbi-Brown-Laura-Mercier-and-Imans-Beauty-Secrets/2" target="_hplink">she continued.</a> "Kindness is a lovely quality to nurture as you get older. It makes you feel good about yourself."
Often known as <em>the</em> great actress, Streep has embraced her age -- and recently being a rom-com leading lady -- with admirable glee. "I'm 60, and I'm playing the romantic lead! Bette Davis is rolling over in her grave!" <a href="http://www.vanityfair.com/online/daily/2009/11/cover-story-preview-leslie-bennetts-on-meryl-streep" target="_hplink">she joked with <em>Vanity Fair</em> in 2009.</a>
<a href="http://www.huffingtonpost.com/2012/02/12/julianne-moore-whats-her-secret_n_1271344.html" target="_hplink">Julianne Moore is a natural beauty</a>, and plans to remain one. When asked about Botox, Moore <a href="http://www.allure.com/celebrity-trends/cover-shoot/2010/julianne_moore#slide=1" target="_hplink">told <em>Allure</em> magazine</a> that she, herself, is not a fan. "I hate to condemn people for doing it, but I don't believe it makes people look better. I think it just makes them look like they had something done to their face," she told the magazine. "When you look at somebody who's had their face altered in some way, it just looks weird."
The actor has been refreshingly candid about both his accomplishments and his struggles as he ages. <a href="http://www.rd.com/family/denzel-washington-interview-devoted/3/" target="_hplink">When <em>Reader's Digest</em> asked</a> him what one thing he'd change about himself, he answered: "My weight! Mind, body and spirit. It's a discipline, and the body has been lagging. Mind's really good right now. Spirit is strong, but body's been lagging. And the body helps the mind. I feel better today having worked out."
Pfeiffer is measured, but honest about how growing older makes her feel. "Honestly, there's certainly a mourning that takes place," <a href="http://articles.latimes.com/2009/jun/27/entertainment/et-pfeiffer27" target="_hplink">told the<em> Los Angeles Times</em> in 2009.</a> "I mourn the young girl, but I think that what replaces that is a kind of a liberation, sort of letting go of having to hold on to that. Everyone knows you're 50. So you don't have to worry about not trying to look 50."
"This great fear of laugh lines and wrinkles and getting old is really unnatural. It happens to the best of us -- what are we going to do? It's a matter of whether you want to go to war with that and have surgery,"<a href="http://www.ivillage.co.uk/cosmetic-surgery-what-the-stars-say/80403" target="_hplink"> the actress told iVillage UK. </a> "Ultimately it's a slippery slope. I think you wind up looking like a thing rather than a younger version of yourself. I think you have to make peace with what you have and keep it all in order," <a href="http://www.ivillage.co.uk/cosmetic-surgery-what-the-stars-say/80403" target="_hplink">she continued.</a>
After being dropped as James Bond because, according to some reports, he was "too old" for the role, the actor had a positive take on things -- embracing the unknown with gusto. "Oh, it turned out very lucky," he told <a href="http://www.parade.com/articles/editions/2008/edition_06-15-2008/1Pierce_Brosnan" target="_hplink"><em>Parade</em>.</a> "Within the space of the punch and the pain of being passed over or rejected or the bottom of your world falling out, within that same breath came this liberation of, 'I'm free. I can do anything I want.' It's up to me to have the guts to make the next stage of my career as interesting and as exciting and unexpected as possible."
"Actors' faces have to move," <a href="http://http://abcnews.go.com/Entertainment/BeautySecrets/story?id=4713043&page=1 " target="_hplink">Weaver once told ABC,</a> weighing in on cosmetic surgery. "It's a personal choice. It depends on what you want. Yes, we probably want to see perfect people, too, but we also want to see people who look like us. It's just about skin care to me and maybe exercise." And her laugh lines? "I've earned them," Weaver said.
<a href="http://well.blogs.nytimes.com/2009/09/23/the-boss-turns-60/" target="_hplink"><em>AARP</em> magazine put The Boss</a> on its cover when he turned 60 a few years back, because the editors believed he exemplified aging well. "He's one of these crop of 50-plus and 60-plus celebrities who are busier than ever in their older years and doing some of their best work," editor Nancy Perry Graham <a href="http://well.blogs.nytimes.com/2009/09/23/the-boss-turns-60/" target="_hplink">told <em>The New York Times.</em> </a>"The message with Bruce Springsteen is that 60 rocks."
<a href="http://fashion.telegraph.co.uk/beauty/news-features/TMG5010697/Lauren-Hutton-forty-years-on-a-model-for-us-all.html" target="_hplink">According to <em>The Telegraph</em>,</a> the beauty loves her changing beauty, believing it reflects a rich life. "Our wrinkles are our medals of the passage of life," <a href="http://fashion.telegraph.co.uk/beauty/news-features/TMG5010697/Lauren-Hutton-forty-years-on-a-model-for-us-all.html" target="_hplink">she said.</a> "They are what we have been through and who we want to be."
The British actress has said that she, personally, is all about aging naturally. "I'm not fiddling about with myself,"<a href="http://www.telegraph.co.uk/news/celebritynews/8700007/Kate-Winslet-Cosmetic-surgery-goes-against-my-morals.html" target="_hplink"> she told <em>The Telegraph.</em></a> "We're in this awful youth-driven thing now where everybody needs to look 30 at 60."
Jamie Lee Curtis
The actress has been open about embracing her age-related changes, famously posing for a magazine shoot sans clothes and sans Photoshop. But she's equally candid about how building self-confidence is a gradual process -- one that's gotten easier as she has aged. "I feel much more authentic," <a href="http://www.more.com/news/womens-issues/jamie-lee-curtis-growing-older-wiser?page=5" target="_hplink">she once told <em>More</em> magazine.</a> "I'm not saying I'm a spiritually perfect person. I'm flawed and contradictory and fraught in many areas. But I'm better. I'm growing, and that's all I really want.
"In interviews, the first question I get in America is always: 'What do you do to stay young?'" <a href="http://www.oprah.com/spirit/Isabella-Rossellinis-Aha-Moment" target="_hplink">Rossellini told <em>O, The Oprah Magazine.</em></a> "I do nothing. I don't think aging is a problem ... I'm so surprised that the emphasis on aging here is on physical decay, when aging brings such incredible freedom. Now what I want most is laughs. I don't want to hurt anybody by laughing -- there is no meanness to it. I just want to laugh."
Lane <a href="http://www.glamour.com/magazine/2008/09/gorgeous-at-any-age-diane-lane" target="_hplink">told <em>Glamour</em> magazine</a> that aging has given her welcome perspective. "I wouldn't go back to being 20. Because here's the thing ... there is something wonderful about coming to terms with time -- that it is finite," <a href="http://www.glamour.com/magazine/2008/09/gorgeous-at-any-age-diane-lane" target="_hplink">she said.</a> "You want to have as much joy in your life as possible, and you take responsibility for your own joy."
"I do yoga every morning, then I run for half an hour and take a sauna," <a href="http://www.aarp.org/entertainment/movies-for-grownups/info-09-2011/antonio-banderas.html" target="_hplink">the actor told AARP magazine of his healthy-aging routine.</a> "And I eat properly. I drink a lot of white tea -- it's a very powerful antioxidant.
Though people look to her as one of the top models of aging well, the actress said she's never given it much thought. "I never thought about age much," <a href="http://www.aarp.org/entertainment/television/info-05-2011/aarp-goes-hollywood-with-betty-white.html" target="_hplink">Betty told <em>AARP</em> magazine. </a>"I learned that at my mother's knee. Age was not important. It was where your head was."
The writer-director of <em>The Kids Are All Right</em> said she cast Bening in part because she wanted someone who was real and who would not shy away from showing her age on screen. "We never had a wrinkle conversation," <a href="http://www.thewrap.com/movies/column-post/annette-bening%E2%80%99s-wrinkles-and-lesbian-sex-scenes-22617" target="_hplink">she told <em>The Wrap.</em></a> "I just said, 'I want the make-up to be super-modest,' and that was the end of it."