Americans have a bleak outlook for their retirement.

A Gallup poll out this week found that workers' expectations for a comfortable retirement are the most pessimistic they have been in over a decade. Nearly 6 in 10 (57%) of folks who are not yet retired anticipate a shortfall.

That’s up significantly from 52% who were gloomy last year, 47% in 2021, and 43% pre-pandemic. On the flipside, 77% of retirees report that they do have enough money to live comfortably – on par with last year’s sentiment.

The divergence in outlook between working Americans and retirees also extends to expectations over when folks will retire, if they’ll work, and major sources of retirement income, the latter of which workers are ramping up to offset their dour outlook.

"Expectations for a financially comfortable retirement are at their worst point in more than a decade among non-retirees in the US," Megan Brenan, a senior editor at Gallup, told Yahoo Finance. "In the past two years, high inflation and recession anxiety has resulted in less than half of non retirees being optimistic about their retirement."

Today, more than 42% of working Americans are very worried about being able to fund their retirement and more than 7 in 10 who are "at least moderately worried about being able to fund their retirement," according to the new poll.

The results of this year’s poll are based on telephone interviews conducted April 3-25, with 1,013 adults, as part of its annual Economy and Personal Finance survey.

The Gallup findings line up with a recent survey by the Employee Benefit Research Institute (EBRI) and Greenwald Research that reported the certainty Americans feel about whether they'll have enough money for a comfortable retirement has taken the biggest dive in 15 years.

"The most significant finding is the drop in retirement confidence that hasn’t happened since 2007 to 2008 and 2008 to 2009 when the economy was in a recession," Craig Copeland, director of wealth benefits research at EBRI, previously told Yahoo Finance.