Two-thirds of consumers say that they save regularly, but 31% say they have a hard time making ends meet, according to Experian-Gallup's "Personal Credit Index" survey.
Besides basic expenses, consumers are concerned with retirement, healthcare costs and standard of living.
Not surprisingly, how much consumers worry about living standards is closely related to income and education.
About three-fourths of consumers overall feel they have enough money to live comfortably right now. For those with annual incomes of $75,000 or more, 91% think they have enough for right now, while only 61% of those with under $40,000 in annual income feel that way.
Almost 9 in 10 college graduates feel they have enough money to live comfortably, compared with 69% of those with a high school education or less.
The survey also gauges consumer confidence. Over half of consumers feel this is a bad time to spend money, while 42% feel they are in a good position to indulge in optional spending. Income is a related factor here, too. Only a quarter of those making less than $40,000 feel they are in a good position to buy, while 60% of those making $75,000 or more feel they are well-positioned to spend.