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survey says

Survey: More than one-third of Americans have no retirement funds saved

A new survey by Bankrate.com found that 36 percent of Americans have no money saved for retirement.

It's not just young Americans who are guilty of not saving, either — 14 percent of Americans aged 65 and older have no retirement funds, nor do 26 percent of Americans aged 50 to 64 and 33 percent of those aged 30 to 49.

Millennials are the least financially prepared, though — 69 percent of those aged 18 to 29 reported having nothing saved for retirement.

"Regardless of your age, there is no better time than the present to start saving for your retirement," Greg McBride, chief financial analyst at Bankrate.com, told USA Today. "The key to a successful retirement is to save early and aggressively."

At least some Americans are taking that advice to heart — 32 percent of people aged 30 to 49 started saving for their retirement in their 20s, and 16 percent began saving in their 30s.