The younger Americans are, the less planning they are doing for the future. But the numbers are not great for older Americans either, with 50 percent of Generation Y, 35 percent of Generation X and 25 percent of baby boomers having done absolutely nothing to prepare for retirement.

That is one of the findings of an online survey of 2,041 U.S. adults conducted by Harris Poll on behalf of Million Dollar Round Table. Of those polled, 523 were Gen Y, or millennial, types ages 18 to 34, 775 were Gen Xers ages 35 to 54, and 743 were baby boomers ages 55 and older.

The lack of planning for the future could be tied to current financial fears and instability. Eighty-four percent of those in Gen Y, 83 percent of Gen Xers and 66 percent of boomers said they had financial concerns, with 42 percent of Gen Y and 31 percent of boomers concerned about paying off their monthly bills.

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