It's not your father's — or your grandfather's — retirement: the one where you quit your job, live on your pension and spend time sitting on the beach. Today, working in "retirement" appears to be the plan — of necessity or of choice — for a majority of middle-class Americans.

This is now the case, according to Wells Fargo's sixth annual Retirement survey, which was conducted by telephone in September and October 2010 and examined the attitudes and behaviors of middle class Americans between the ages of 25 and 69.

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