Need more evidence that the over-50 crowd is gloomy about things? 

Not only do more than half of them — a hefty 55 percent — say they don't have enough money set aside for health care when they retire, retirement itself is a goal receding into the distance, with even more — 57 percent — saying they're going to work on past 65. 

That's what an AARP found in a new survey, revealing that almost four out of every 10 over-50s say they haven't saved anything at all for healthcare expenses. Not a dime.

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