Carla was laid off two years ago after working more than 30 years in the mortgage industry. Now 62, she can't even get potential employers in other industries to interview her because her experience is all in one area.

Timothy, 56, did find a steady position with an employment-training agency. But he also applied for scores of other jobs and lost out to younger, healthier applicants. Years ago, a major back injury forced Timothy to give up his exterminating business. Now he expects to work until age 70 "or as long as I hold up."

These vignettes -- real stories about real people -- are part of "Buddy, Can You Spare a Job? The New Realities of the Job Market for Aging Baby Boomers," a sobering new study sponsored by the MetLife Mature Market Institute in collaboration with David DeLong and Associates, a research and consulting firm with expertise in workforce issues.

More than 60 percent of Americans 55 to 70 who are working or seeking work have less than $250,000 saved for retirement, the study found. Not surprisingly, half plan to retire later than originally expected, while only 6 percent plan to retire earlier.

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