The survey, which polled 1,000 adults Dec. 15-19, found 46 percent of respondents from households with modest earnings did not have any retirement plan. In comparison, 89 percent of respondent in households earning $75,000 or more per year indicated they had a retirement plan, Allstate Financial said.
Despite the disparity, 91 percent of all respondents indicated they were confident they could manage their own finances. In addition, 42 percent of parents indicated they were "very confident" about paying for an education for their children and 40 percent indicated they were very confident about being able to afford a new car.
An even greater percentage of respondents -- 47 percent -- indicated they were confident about affording a new home, the survey found.
The survey had a margin of error of 3.1 percentage points.