CINCINNATI -- Many people dream of retiring to a beachfront property, but it's not for everyone.
"When I hear people say they're retired and they're moving to Florida, they're doing this or that, I say, 'OK, not me,'" Tracy Turney-Smith said.
Turney-Smith is a teacher, wife and mother of two recent college grads. Her husband has multiple sclerosis.
"I'll probably work past 65," she said. "Do I have a goal? No. I'd probably be crying if I had a goal. So I just live every day."
She's not alone, according to local financial planner Seth Priestle.
"Things happen in life," he said. "It's a part of life."
Many people hope to work beyond age 65, but only about 25 percent do, according to Priestle. He said personal or family illnesses often get in the way.
It's common for people to not save enough or not save at all because they're in debt.
"Make sure your debt situation is in good order," Priestle said. "Make sure you have an emergency fund saved."
Other tips include: contributing to a 401(k) or an IRA. Priestle recommends starting out at 5 percent, but working up to 15 percent of a yearly salary.
"It's never too late," he said.