They might be secure in their ability to handle business finances, but when it comes to personal finances or plans for retirement, small business owners aren't all that sure.

So says a new survey from TD Bank, which found that 26 percent of respondents said they were not confident that they'll have saved enough to retire.

Small business owners are a gutsy lot in general, diving in whether they had the experience to handle aspects of the job other than finances. Of course, a lot of those who took the leap in starting a small business had worked elsewhere first, with 72 percent reporting prior jobs, but only 51 percent had any management experience or expertise. Younger business owners were less likely to have that experience, with 63 percent of millennials admitting to the lack, while 49 percent of Gen Xers and 46 percent of boomers said they'd had to learn that part of the job at their own companies.

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