While people are trying — and often failing — to save for retirement, they’re not really thinking about how they’ll make whatever money they will have stretch once they leave the workplace.

That’s according to a Harris poll conducted for Pentegra Retirement Services that found that more than half (56 percent) of those who have managed to accumulate some retirement savings have no plan for how they’ll access the money and make it last in retirement. In fact, one out of every five hasn’t even thought about it.

Their average target age for retirement is 66, but 20 percent don’t plan to retire at all. They want to start drawing Social Security benefits at age 67, and those still in the workplace estimate they’ll need an average of $3,200 per month in income to live.