More baby boomers are troubled by gas prices and uninsured medical costs than about retirement and other long-term expenses, a new poll by the American Institute of Certified Public Accountants finds.

The poll revealed 51% of Americans age 45 and older worry more about short-term financial issues–rising energy costs, uninsured medical expenses, the price of gas and credit-card debt–than they do about caring for aging parents, lack of savings for an emergency and even retirement itself.

“The higher these rising costs are today, the more time Americans will have to spend working to replace those funds that were earmarked for retirement,” comments Carl George, chair of the AICPA’s National CPA Financial Literacy Commission and chief executive of Clifton Gunderson LLP. “In some cases, this could mean working additional years to recoup what is spent today on necessities.”

The survey was conducted by Harris Interactive among 1,000 U.S. adults 18 and older during March 2006.