Even though most people are looking forward to an active retirement—whether that encompasses travel, time spent with family or on hobbies or actually a retirement that includes another job—a report on the global retirement situation says they’re just not doing enough to make that happen.

The Transamerica Center for Retirement Studies’ report “Successful Retirement: Healthy Aging and Financial Security,” issued in collaboration with Aegon Center for Longevity and Retirement and Instituto de Longevidade Mongeral Aegon, says that the growing need for people to self-fund more of their medical care in retirement and their lack of savings even for the basic needs in retirement can threaten any plans they may have.

Research already indicates that between rising health care costs and the toxic political situation surrounding the question of who should be helped with those expenses and who gets cut adrift to manage on their own, a retired couple is now expected to need a quarter-million dollars or more just for medical expenses.