About 70% of working people have given up on the idea of retirement, according to the 2010 Employee Benefits Research Institute Retirement Confidence Survey, up from 63% in 2008.

"Those currently working are more skeptical than those actually in retirement" about whether they have enough to live on, said Craig Copeland, senior research associate at the EBRI in Washington. The survey results were released Wednesday.

Few retirees anticipate rejoining the workforce; just 4% of retirees said it's very likely they'll have to find a paying job and 6% said it's only somewhat likely.

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