Just a couple of days ago, Financial Engines blogged about survey results showing that seven of the top 10 words people use to define retirement were negative — with the top choice being "old."

But research from MassMutual Retirement Services seems to belie all the worries and fears people have about retirement.

The study of retirees and pre-retirees, "Hopes, Fears and Reality — What Workers Expect in Retirement and What Steps Help Them Achieve the Retirement They Want," looked at participants who were at least 40 years old, had at least $50,000 in savings and investments, and at least share, if not be completely responsible for, household financial decisions.

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