A new poll finds nearly 1 out of 5 individuals plan to work until death.

The survey, conducted by Bankrate Inc., New York, also found 28% of those surveyed save less than 5% of their gross pay a year, with 16% saving nothing at all for retirement.

Even so, optimism about life in retirement remains high. Around 60% said they “never worry” or worry “not very much” about outliving their retirement savings.

Nearly 40% of those aged 65 and up say they plan on working until they die, and 21% of those between the ages of 35 and 64 declare they’ll work forever, too.

Only 9% of 25-to-35-year-olds expect to work until they die, yet among the youngest age group, 18 to 24, 19% think of work as everlasting.

Still, retirement is a goal for many. Of all respondents, 27% plan on quitting work in their 50s. Among those between 18 and 34, 38% plan on retiring by then.

One dash of good news: 36% say they are stashing at least 11% of gross pay toward retirement savings. Of this group, 16% are saving more than 15% of each paycheck.