More than ever, retirement doesn't mean retiring. A new study by Merrill Lynch found that 72 percent of adults 50 and older want to continue working, even after they leave their longtime jobs. But what type of working retiree will you be? Merrill Lynch found that people who work while "retired" fall into these categories:

Caring Contributors (33 percent) The prime motivation for this group is giving back, primarily through volunteer work.

Earnest Earners (28 percent) These retirees work mainly because they need the money. Of the four groups, Earnest Earners display the highest level of frustration and unhappiness that they are still working.

Life Balancers (24 percent) This group seeks out jobs with flexible schedules so working doesn't get in the way of enjoyable retirement interests, whether it's socializing with friends or enjoying leisure activities.

Driven Achievers (15 percent) These people were workaholics in their career and remain workaholics in retirement.

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