For many people, preparation for retirement largely revolves around a plan to work for as long as possible. In other words, many people are planning for retirement by planning not to have one or at least not much of one. According to the Employee Benefit Research Institute, 33 percent of workers expect to retire between the ages of 65 and 69, and 43 percent at the age of 70, or beyond, or not at all. But such planning, if it can be called that, is far from perfect.