If you’ve been looking forward to age 65 as a time when you can finally sit back and relax, think again. A new survey from Career Builder reveals that more than seven in ten workers over the age of 60 who are pushing back retirement plans are doing so because they can’t afford their retirement.

The economic downturn has decimated many people’s retirement accounts and other savings, making it impossible to stop working when they had originally planned. As America ages, this will likely become an increasingly comment trend, so prepare yourself.

On a positive note, many people are choosing not to retire because they enjoy their job or fear that retirement may be too boring. Others are continuing to work because they need the health insurance and additional benefits provided by their job.

If you are planning on postponing retirement, there are some important steps to take:

• Communicate with your HR department. The folks in human resources can help you plan your future within the company past the normal retirement age.
• Network. Whether you want to keep your current job or find a new one, maintaining your network both socially and professionally is crucial for keeping your options open.
• Be flexible. While you may suddenly decide to stay in your job, your supervisor may have had other plans for the position. Being willing to change assignments could make the difference between staying on at your company and being laid off.
• Become a mentor. Mature workers have a vast reservoir of experience and knowledge. Sharing this with people inside and outside your company shows your worth to your current employer.