They’re planning to live long, but as for prospering, not manyare confident that they will.

According to “Wishful Thinking or Within Reach: Three GenerationsPrepare for ‘Retirement,’” a report from the TransamericaCenter for Retirement Studies, while workers estimate thatthey’ll live to age 90 (actually, that’s the median; 14 percentactually aim for 100), only 18 percent are very confident thatthey’ll be able to completely retire and have a comfortablelifestyle.

Worries about money predominate, with 57 percent of GenX and 55percent of boomers saying that outliving their savings andinvestments is one of their greatest retirement fears.

Among millennials, 47 percent are afraid they won’t be able tomeet their families’ basic financial needs when they retire.

And, no doubt influenced by the current pyrotechnics inWashington, 76 percent of all workers are concerned that SocialSecurity will not be there for them when they are ready toretire.

Asked about their retirement dreams, 70 percent overall citetravel; 57 percent want to spend more time with family and friends,while 50 percent are looking forward to hobbies.

But work plays a big role in retirement, too, with 30 percentciting some form of paid work as a retirement dream, includingpursuing an encore career (13 percent), starting a business (13percent), and/or continuing to work in the same field (11 percent).Twenty-six percent of workers have goals of doing volunteer workwhen they retire.

All those money worries have their roots in everyday life. Amongrespondents 79 percent believe that their generation will have amuch harder time achieving financial security in retirementcompared to their parents’ generation, with millennials (83percent) and GenXers (80 percent) more likely to feel this way thanboomers (75 percent).

They’re busy trying to pay off debt while saving for retirement,with 72 percent of GenXers and 67 percent of millennials morefocused on debt payoffs than boomers (59 percent). Conversely,among the 57 percent of respondents focused on saving, boomers aremore likely, at 72 percent, to say it’s a priority, compared with61 percent of GenXers and 45 percent of millennials.

And they’re not saving enough, nor are they leaving the stashalone. Boomers have saved $164,000 (estimated median) in allhousehold retirement accounts, GenX has saved $72,000 (estimatedmedian), and millennials have saved $37,000 (estimated median)—notmuch when you consider that money has to last two or more decadesin retirement. And when you consider that 29 percent of workershave taken a loan, early withdrawal, and/or hardship withdrawalfrom a 401(k) or similar plan or IRA, that signals troubleahead.

In fact, 34 percent of GenXers, 28 percent of millennials and 26percent of boomers have pulled money out—for reasons ranging frompaying off debt (35 percent), a financial emergency (24 percent)and medical bills (23 percent).

They also lack emergency savings. The median among all workersis $5,000, with boomers having saved a median of $10,000 foremergencies, GenXers just $4,000, and millennials a paltry medianof $2,000.