American workers may not have the best financial circumstances, but at least they're keeping on top of their health – according to new research from the Principal Financial Well-Being Index. Those financial circumstances also show them being underprepared for retirement.

Over a thousand workers surveyed by Harris Interactive in April and May demonstrated that they're more likely to rate themselves as being physically healthy (53 percent) versus financially healthy (only 31 percent), though more than 80 percent say they understand the connections between the two – and say that staying physically healthy is an investment in their financial future.

To that end, 69 percent of workers surveyed said they realize that staying in good health and physical condition will help them avoid major health expenditures in later life, a major concern for those contemplating their retirement plans and expenses.