The United States has the largest number of older workers ever, according to Bloomberg. The U.S. Bureau of Labor Statistics reports that almost 20 percent of Americans 65 and older are still working — and according to a 2015 Federal Reserve study, almost 27 percent of Americans say they will continue to work as long as possible. Why are they working longer?

Among the reasons some older workers cited: they enjoy their jobs; employers want them to stick around; they’re living longer, healthier lives; and they think retirement just isn’t as much fun. However, for a majority, it comes down to money. They simply can’t afford to stop working.

Sixty percent of retirees surveyed by Transamerica Center for Retirement Studies said they needed to continue working to make money or earn benefits. Almost half said financial problems were their main reason to keep punching the clock, and three-quarters wished they had saved more consistently. Sixty percent also said they had retired earlier than they had planned, and 40 percent did so because their job changed. Many retirement accounts were devastated by the financial crisis and the tech bust. Traditional pension plans are becoming less common as well.

And it may not get better any time soon. Sixty percent of households have no money in retirement accounts, such as a 401(k). Even so, the fluctuating market may scare those with 401(k) accounts who are close to retirement.

This change comes as the U.S. is facing demographic problems and concerns that Social Security’s Trust Fund will be depleted within a few years. If those on the brink of retirement believe the younger generation will bail them out, they’re mistaken. The plunge in births — which hit a historic low in 2013 — means that fewer workers will be around to contribute to Social Security and there will be a smaller tax base to finance benefits for the elderly, says Neil Shah of the Dow Jones Business News.

The Social Security Administration reports that The Social Security Trust Fund will continue to decline until its projected depletion in 2033. After that, “Social Security is projected to run deficits every year into the foreseeable future.” All hope is not lost, however. There are many resources that can help with retirement planning as well as nutritional guidance, transportation and volunteering for those who are retired or close to retirement.

Alternative Options

Several organizations are in place to assist the aging with retirement planning free of charge. The U.S. Department of Health and Human Services’ Administration on Aging provides a topical comprehensive list of nonprofit organizations to help with issues such as housing, nutrition and transportation, among others.

The U.S. Department of Labor offers interactive worksheets to help with retirement planning, while CNN Money details how to plan for retirement and lists website links to help the aging get started.

AARP.org is also a helpful resource for those with retirement questions. For example, an article on the website, “Get Paid and Stay Engaged in Retirement,” discusses the benefits of working in another field after retirement and provides links to keep seniors earning a paycheck while doing something they enjoy. AMAC, a conservative alternative to the AARP, also is rich with retirement and retirement planning information.

Joshua Mellberg, owner of J.D. Mellberg Financial, says that even meaningful volunteering can help the bank account stay healthy so retirees don’t have to worry about how much money they have. By volunteering, retirees can avoid the temptation to spend their savings while contributing their time to a good cause. “Worrying about money during retirement can prevent you from spending time on things you really enjoy,” Mellberg says. “But you don’t have to just sit at home to make your money go further.

“Remember, retirement is supposed to be fun,” Mellberg adds. “Following your heart’s desire can actually save you money.”

Mellberg echoes the advice of Fanny Crosby, one of the most prolific hymnists of the nineteenth and twentieth centuries. Crosby lived to be almost 95 and said she felt much younger. She advised others who wanted to stay young to “be cheerful, keep working and love one another.”