Millennials are having a tough time saving for retirement—and some are struggling with the whole notion of retirement.

It's not that they want to continue working, according to a new research study from the Insured Retirement Institute (IRI) and the Center for Generational Kinetics (CGK)—it's more that planning, and saving enough, both seem to be beyond them.

Plenty of them are thinking about it, in contrast to popular belief.

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