While overall they’re happy to be retired, retirees paint apicture of limited means and possible financial disaster, althoughworkers aged 50 and over are planning either to postpone retirement orcontinue to work once they haveretired.

Read: 10 questions to ask about retirementpreparedness

Those are some of the findings in research from the TransamericaCenter for Retirement Studies.

In its report titled “The Current State of Retirement:Pre-Retiree Expectations and Retiree Realities,” Transamerica foundthat most retirees (60 percent) actually left the workplace earlierthan they had anticipated.

While 66 percent citing employment-related reasons includingorganizational changes at their place of work, job loss, beingunhappy with their job or career, or receiving a retirementincentive or buyout, 37 percent said health or family reasons,including ill-health, or family responsibilities such as caregivingwere responsible.

Read: Worker income falls after 50

Just 16 percent said they were financially able to retireearly.

Most retirees surveyed said that their most recent employerdidn’t offer them much to help with the transition intoretirement.

Fewer than 10 percent said their most recent employer offeredflexible work arrangements, retirement seminars, or financialcounseling.

Workers aged 50 and older were more likely to say their employerprovided such assistance, but the percentage was still below aquarter of the group.

Social Security is one of the current sources of income for 89percent of retirees, and 61 percent say it’s going to be theirprimary source of income throughout retirement.

Only 16 percent of retirees strongly agree that they savedenough money to get them through retirement.

Some of the financial obstacles they’re experiencing now thatthey’re out of the workplace include just getting by/covering basicliving expenses (42 percent), paying healthcare expenses (37percent), paying off mortgages (21 percent), and continuing to savefor retirement (20 percent).

A quarter of retirees are still working on paying off creditcard debt as a financial priority.