Work or Retire Among women who intend to keep working, 85 percent cite financial reasons, but they're also concerned about health issues. (Photo: Shutterstock)

More than half of women plan to keep working in retirement, or not retire at all, and a lot of the motivation is thanks to the financial challenges they face.

According to findings from the 18th Annual Transamerica Retirement Survey, only 12 percent of women in the workforce are “very confident” that they will be able to retire to a comfortable lifestyle—and 53 percent say they'll keep working or not retire at all.

Among those who intend to keep working, 85 percent cite financial-related reasons for doing so. But they're also concerned about health issues, with 71 percent also citing healthy-aging reasons (staying active, keeping their brains alert, having a sense of purpose, etc.) as reasons to continue working.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.