Just two-fifths (42 per cent) of U.S. employees say they feel highly confident they’re on track to save what they need in retirement, according to a new survey by LiveCareer.

The survey, which polled more than 1,000 U.S. workers, found six in 10 said they fear retirement more than death (61 per cent) or the idea of getting a divorce (64 per cent). Indeed, 39 per cent expressed fear that retiring will make them a financial burden to loved ones or that they won’t have enough saved for medical emergencies or unexpected costs in retirement.

Read: 81% of U.S. employees concerned about retirement readiness amid inflation: survey

Among respondents’ top financial anxieties were the rising cost of long-term care (59 per cent), making poor investment decisions and losing retirement funds (52 per cent), feeling disconnected from society in retirement (48 per cent), being able to maintain their desired standard of living in retirement (45 per cent), fear of potential shifts in government benefits (44 per cent), stability of investments and costs of medical expenses (41 per cent each) and inflation (30 per cent).

Nearly half also said they have credit card debt (44 per cent) and car loans (41 per cent), while more than a third (39 per cent) noted they have medical debt. And while a majority (86 per cent) said they’d need between $100,000 and $750,000 to retire comfortably, just 14 per cent noted they’ve saved between $200,001 to $500,000 and fewer (five per cent) have between $500,001 to $1,000,000 saved.

Among respondents who weren’t as confident in their ability to retire comfortably, 43 per cent said they plan on retiring from full-time work but continuing to work part time in their field for as long as possible and 29 per cent plan on retiring from their current profession and taking a part-time job in a different field.

Read: Survey finds U.S. employees’ average retirement savings decreases in 2024