Members of the military are increasingly worried about how they are going to make ends meet in retirement.

A survey from the First Command Financial Behaviors Index showed that 68 percent of middle-class military families — which includes senior non-commissioned officers and commissioned officers with incomes above $50,000 a year — agree that today's active military will not be able to retire as comfortably as prior generations. That was an increase of 11 percentage points from last year's survey.

Downsizing of the Defense Department and cuts being made because of congressional haggling have led more than one-third of military families to believe they will be living on reduced retirement benefits.

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