As many as one-third of all Americans are feeling unprepared for retirement, and upstate New Yorkers are no different. Some are even taking “retirement jobs” to continue to make ends meet.

Maureen Baker of Stanley, NY, is one of them. The 60-year-old tells the Brighton-Pittsford Post that she doesn’t think she’ll ever be financially ready to retire.

That’s not for a lack of savings, though. Baker worked the same job for 23 years and was able to build up her retirement funds during that time.

But she doesn’t seem to mind her current job. “I am enjoying life more now than ever,” she told the Rochester-area newspaper, “but I need to keep busy and feel I have a purpose. So I now have a ‘retirement’ job and plan to work until I am no longer physically or mentally able to do so.”

Some Rochester-area residents simply aren’t sure how much they have to save.

“We’ve put away a considerable amount of money over the years, but even our financial advisors can’t give us ‘the number’ to ensure a comfortable retirement,” said 57-year-old Bryan Maslin of Irondequoit. He hopes to retire at age 62 and expects that he and his spouse will live into their 80s thanks to advances in modern medicine.

There are also several factors that can impact how individuals can plan for retirement and how much they are able to save. The death of a spouse can certainly cut into the ability to plan for the future, but so can a divorce.

On average, there are two divorces in the U.S. every 60 seconds, and those who have had multiple marriages could also potentially face financial difficulties when they hit retirement age.

However, a report from this February, based on New York State Health Department statistics, actually found that the divorce rate in the Rochester-Finger Lakes region has actually hit a 15-year low.

Monroe County actually saw the biggest drop in the area, with a 17.8% decline in divorces between 2012 and 2013.

Death and divorce aren’t the only hurdles, however. Canandaigua National Bank Vice President and Financial Planning Officer Tom Benner also warns that couples should beware of increasing health insurance premiums, college debt, inflation, and the need for long-term care, especially brought on by today’s longer lifespans.

Regardless of marital status and health, however, upstate New Yorkers can take several steps to make sure they have enough to retire. Benner told the Brighton-Pittsford Post that he recommends saving as much as possible, making sure that money is invested wisely, and taking advantage of Social Security benefits.