46% of Americans think they wont have enough for retirement

46% of Americans think they wont have enough for retirement46% of Americans think they wont have enough for retirementWe know that retirees have a habit of moving to certain cities and statesto make their money go further, but recent research shows that people who havent yet reached their Golden Years think theyll have a tough time financially during that chapter in their lives.A Gallup poll found that 46% of Americans who havent retired yet think they wont have enough money when the eventually do.Here are some of the results that stood out.This is how non-retirees think theyll fare in retirementAmong those who havent reached this stage of life yet, the results were almost evenly divided. So even though 46% of respondents in 2018 said they dont think theyll have enough cash for a comfortable lifestyle at that point, 51% are optimistic that they will.Things have changed since 2002, when Gallup found that 32% of people didnt think they would have enough, compared to 59% who thought the y would.Retirees finances, by income levelThis group was asked if they have enough money to live comfortably. Here are the results, based on respondents income levels.Among those making less than $30,000, 45% said yes, while 54% said no. For those making $30,000 to below $75,000, 83% said yes, while 17% said no. Among people making a $75,000 and up, 98% said yes, while 2% said no.Retirees vs. non-retireesThe research found that in 2018, among those who have already retired, 78% say they have enough to live comfortably. But among people who havent done so, 51% predict that they will have enough.Back in 2002, the numbers were different 81% of retirees said they had enough money, while 59% of non-retirees said they expected to.Gallup went on to shed light on a potential bright spot.The future of ones retirement is to some degree unknowable, of course. It may be that 15 or 20 years from now, retirees will elend be as well off as current retirees. This would be the case if, for example, the Social Security system was to have major problems, or if the nations or the worlds economy was in in a major recession,the site reported. But over seven in 10 retirees have reported over the past 1 decades that they have enough money to live comfortably. This, compared with the significantly lower percentages of those who are not retired who think they will have enough money, suggests that retirement may not be as challenging as Americans think.People have widely varying expectations for their financial futures during their Golden Years, but its impossible to predict how things will turn out.