If you’re looking for a sunny outlook on the future of retirement, you might want to steer clear of Olivia Mitchell. As Executive Director of the Pension Research Council at Wharton, Mitchell has starkly realistic expectations for what the future may hold for Baby Boomers and the generations to come.

“I tell my students, ‘Just don’t get old, don’t get sick and don’t retire. Then you’ll be fine,’” says Mitchell. Not exactly what someone with dreams of beachfront golden years wants to hear.