A survey by AARP, formerly known as the American Assn. of Retired Persons, shows that 7 in 10 Americans plan to work past the once typical retirement age of 65. In addition to that, nearly half expect to work well into their 70s and even 80s. The main reason for delaying retirement seems to be making money as opposed to fulfillment of professional goals or enjoyment. Increased financial need has been caused by higher health-care costs, insufficient retirement funds and recent investment losses.