Nearly three-quarters of Americans get stressed out or anxious when they think about retirement saving and investing.

According to the 2013 Franklin Templeton Retirement Income Strategies and Expectations survey, stress is on the rise, with 37 percent of respondents saying they were more concerned they would outlive their assets or have to make major sacrifices in their retirement plans than they were a year ago. In response to the stress, 67 percent of pre-retirees indicated they would be willing to make financial sacrifices now to live better in retirement.

The survey found that that three in 10 American adults haven't even started saving for retirement, and those numbers don't just include younger workers. Sixty-eight percent of those ages 45 to 54 and half of those ages 55 to 64 have $100,000 or less in retirement savings.