In its 18th annual retirement survey of workers, the Transamerica Center for Retirement Studies delves into the disruption of retirement as we once knew it, stemming from workers’ expectations of living long lives. Many workers are envisioning retirement as a new chapter in life that involves continued work but with more free time to pursue personal interests. Transamerica’s research finds that workers across generations share a compelling vision of retirement, yet many still have major fears and concerns. Fifty-seven percent of Generation X and 55 percent of Baby Boomers cite outliving savings and investments as one of their greatest retirement fears, and 47 percent of Millennials fear they will be unable to meet the basic financial needs of their family when they retire. More than seven in 10 workers are also concerned that Social Security will not be there for them when they retire. The research finds that many workers envision travel, work, and a “phased retirement,” reducing responsibility or work hours. Most workers (83 percent) who plan to work in retirement say they will do so for financial reasons.