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The dire warnings of a future retirement apocalypse have not scared all Americans into frantically investing as much as possible for their retirements. Not everyone is on board the retirement savings train, a recent survey from the Certified Financial Planner Board of Standards and the Consumer Federation of America has found.

The 2012 Household Financial Planning Survey found that 73 percent of all household decision-makers have some savings or investments earmarked for retirement. Only 6 out of 10 unretired Americans have money invested or saved for retirement.

The survey also reported that only half, 49 percent, of the nonretired survey respondents have a specific plan for how or where to save and invest their retirement funds.

Here's how some people in the survey described their relationship with money and financial planning.

While most of these financial insecurities could be addressed by a comprehensive financial plan, people often have mental blocks toward taking the first steps to getting financial control. Bankrate's financial security index for the month of July was released on Wednesday, showing that only 60 percent of Americans track their spending against a budget.

Rather than living in anxious denial, people prone to avoiding financial realities would ultimately feel better about their future prospects with some planning. The CFP Board's survey found that people in the $50,000 to $99,999 income bracket with a comprehensive financial plan were more likely to say they live comfortably than people earning over $100,000 who do not plan.

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