A year out from the 2020 U.S. presidential election, average Americans andexperts disagree on key economic issues that will play out incoming months, according to new polling by Bankrate.

The two groups are at odds on the state of Americans' financessince the last election and whether the current White Houseoccupant, or any president for that matter, should be credited forthe recent record economic expansion.

SSRS conducted a telephone poll on its dual-frame bilingualOmnibus survey platform in early September among 982English-speaking and 35 Spanish-speaking respondents. SSRS polledeight economic experts by email from Aug. 26 to Sept. 11.

Notwithstanding the recent period of economic expansion,46 percent of respondents said their financial situationhad stayed about the same since President Donald Trump took officein 2017, and another 21 percent said their finances werein worse shape.

Related: Great Recession lingers in Americans'finances

The polled experts maintained that Americans' financialsituations should have actually improved since the last election,but just 32 percent of ordinary folks agreed withthem.

"As Americans become more focused on the presidential campaignand as a Democratic nominee emerges, our survey results appear tobe a mixed bag for President Trump," Mark Hamrick,Bankrate's senior economic analyst and member of the expert panel,said in a statement.

"While more individuals say their personal finances are betterthan worse since his election, voters are pressing for action onhealth care."

Fifty-four percent of Republican respondents said their financeshad improved over the past three years, 39 percent saidtheir finances have stayed the same and only 7 percentsaid they had gotten worse.

Democrats' and Independents' responses were more evenly split.Twenty-one percent of the former and 24 percent of thelatter said their finances had improved, 47 percent and50 percent said their financial situation was the same,and 30 percent and 23 percent said their financeswere worse off.

Women were less likely than men to say their finances hadimproved, and were likelier than men to say their finances hadstayed the same or gotten worse.

The survey found that personal finance gains haddisproportionately favored higher-earning Americans, with84 percent of households bringing in $75,000 a year ormore saying their finances had improved or stayed the same, butonly 66 percent of households earning under $30,000 a yearreporting the same.

Key issues in 2020 

Asked which financial issues would influence voters in the 2020election, respondents pointed to three that stood out: health care,employment and taxes. Housing affordability crept into the topthree for some key demographic groups.

Expert panelists agreed on health care and employment, but putforeign trade in the third spot.

"Health care has become a critically important issue forAmericans because of cost and access," Hamrick said. "As a sector,health care now comprises about one-fifth of the nation's economy.And this issue is set to become increasingly important as the U.S.population ages."

Here is how key demographic and political groups ranked issuesthat will be important to voters next year:

• Women: health care, employment, housing, taxes, foreigntrade, student loan debt, stock market
• Men: health care, employment, taxes, housing, foreigntrade, stock market, student loan debt
• Millennials: employment, health care, housing, taxes,foreign trade, student loan debt, stock market
• Gen Xers: health care, employment, taxes, housing,foreign trade, student loan debt, stock market
• Baby Boomers: health care, employment, taxes, housing,foreign trade, student loan debt, stock market
• Republicans: employment, health care, taxes, housing,foreign trade, stock market, student loan debt
• Democrats: health care, employment, housing, taxes,foreign trade, student loan debt, stock market

Who gets the credit?

Thirty-two percent of respondents credited the incumbentpresident for the most recent economic expansion, while just13 percent of experts agreed. Twenty-seven percent ofAmericans credited former President Barack Obama, and25 percent of experts agreed.

One in five Americans and a quarter of the experts said the twopresidents should be credited equally.

Neither Trump nor Obama should claim responsibility for theeconomic expansion, according to 17 percent of respondentsand more than twice as many experts.

"Amid signs the U.S. economy may have peaked, Americans'collective focus on the job market presents risks for PresidentTrump if a significant slowdown emerges," Hamrick said.

Read more: 

• Latest jobs report prompts question: Is the economycrawling or stalling?
• Trump is the biggest risk to the U.S. economy:Zandi
• Fed cuts rates for the first time since the GreatRecession