Are you living a successful retirement? Share your story in MONEY magazine!

Read just about any survey about Americans' retirement readiness, and you might worry that you'll be stuck at your desk forever. A study released recently by the Employee Benefit Research Institute concludes that even delaying retirement may not be enough to make up for paltry savings; many Americans, especially lower-income Americans, will have to keep working into their 70s or even 80s to have a good shot at affording retirement, EBRI says. In a recent survey by the American Institute of Certified Public Accountants, 40% of working Americans say they'll never be able to retire.

What's more, a new survey from SunAmerica finds that pre-retirees, while more hopeful about their retirement prospects than during the depths of the recession, are nonetheless planning to delay retirement and work part-time. One-third of this group of 55-year-olds and up report that their portfolios have still not recovered; almost half say their home is worth less than before the crash.

Amid this bad news, however, millions of Americans are enjoying a fulfilling retirement. If you're one of those people, you may hear a lot of scary numbers from the financial services industry (and the media!) about the millions you need and your dire prospects if you fall short. But you've found that you can enjoy retirement to the fullest with whatever you managed to save. Sure, maybe you work a few hours a week or have found efficiencies in your budget, but you're not depriving yourself: You're seeing friends and family, embracing a new hobby, and traveling. Maybe the pros think you can't make it work without multi-millions, but you're proving otherwise.

If this describes you, we'd love to hear from you for an upcoming story in MONEY magazine. If you're interested in sharing your experience and advice, please fill out this brief, confidential form. None of the information you supply here will be published unless you give us the okay in a follow-up interview.

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