Compiled By Tonya Vinas A new survey by F-O-R-T-U-N-E Personnel Consultants (FPC), New York, shows that most people (93%) have definitive ideas about when they will retire and that younger workers plan to retire earlier than their older counterparts. The survey was done by BETA Research, Syosset, N.Y., which conducted the telephone survey of 628 men and women who are employed full time in a variety of industries. Participants had at least a college degree and earned at least $50,000. Of those surveyed, 2.2% plan to retire before age 50; 33% said they'll retire between 50 and 59; 29% will retire between age 60 and 64; 18.5% plan retirement between 65 and 69; 8% will work until between 70 and 74; another 2.2% said they'll retire at age 75 or older; and the hard-working remainder said they don't plan to retire. Broken down by gender, women plant to retire at a younger age than men -- 50 to 59 verses 60 to 64. Of those under age 35, 41.4% believe they will retire between age 50 and 59, as do 40.9% of those between age 35 and 49; only 25.7% of those over age 50 plan to retire that early. Almost 70% of respondents said they plan to work again after formal retirement.