Many high-income millennials believe they’ll want to voluntarily delay retirement or forego it entirely, but about half of those between 30 and 34 simply don’t think they’ll be able to save enough to afford it, according to a recent report.

Around six out of 10 high-income millennials plan to continue working until after they’re 70 years old, or never retire at all, because they intend to find the kind of work they’ll like enough never to stop, according to a recent survey from Spectrem Group cited by Wealth Management.

At the same time, however, three in 10 — and half of those between the ages of 30 and 34 — don’t think they’ll ever be able to save enough to retire, according to the survey which polled 443 millennials with a minimum $100,000 annual income if single, and $150,000 for those who were married or partnered.

The worry has to do with the Great Recession. Millennials 29 and younger and those 30 to 34 witnessed the 2008 stock market crash, said Kathy Dordick, a senior consultant for Spectrem.

Young millennials, meanwhile, are more risk-averse, according to the survey. Some 69.3% are ambivalent about putting their savings into the stock market, compared to 55.5% of older millennials. That’s because older millennials were already working as the recovery from the 2008 crash took place, Dordick says.

Financial advisors are popular with high-earning millennials. Close to half say they work with an advisor, Spectrem found.

Nonetheless, advisors may have to pay closer attention to their concerns. Half of the respondents, for example, say that student loans affect their ability to put money into 401(k)s, according to the survey. And it’s in the advisors’ best interest to have millennials as clients, regardless of their savings and debt, according to Dordick.

“They may not have the net worth to necessitate (financial and retirement planning),” she said, according to the web publication. “But they’ll get to that net worth a lot quicker with financial and retirement planning.”