Most American workers don't feel they have enough money for a comfortable retirement, according to a new survey.
In the latest Country Financial Security Index, about 80 percent of Americans have some fears about what their retirement years will look like.
Among the top concerns - not being able to afford medical or long-term care expenses, and running out of money altogether.
Financial planner Troy Frerichs says those fears may be legitimate because most people close to retirement age are only saving about 5 percent of their income.
"Most financial planners out there will say 10 to 15 percent of your income is a good goal," he points out. "So, there's a disconnect between what's actually being saved right now and probably what's going to be needed. You know, we have a savings problem right now."
About 60 percent of current retirees surveyed said they don't have enough money to pay for the activities they enjoy.
Frerichs suggests anyone worried about these issues should either speak with a financial planner, or start saving a portion of every paycheck.
In the survey, more than half of current retirees said they're still working part-time, and about one in four isn't happy about it.
While even the best-laid plans can go awry, Frerichs says preparing for retirement sooner in life rather than later is key.
"Once you get into the retirement picture, there's not a lot of things that you do control," he states. "We worry about the economy, we worry about what's going on in Washington. But what you do have control over is your paycheck - and what, in particular, you do with that paycheck - whether you spend it or whether you save it."
Not all the survey results skewed toward the negative. The poll also found despite their fears, a majority of American workers believe their retirement will allow for greater flexibility in their lives.