Single women are more likely than married women to say that time is more of a barrier to financial planning than tight budgets are.

Researchers at Prudential Financial Inc., Newark; N.J., have reported that finding in a summary of results from a survey of 1,033 U.S. women ages 25 to 68.

About 36% of the married participants said meeting the immediate needs of their families or children were the factors that contributed most to financial planning contribution, and 19% of the married participants agreed with the statement that, “I only make so much money; I just can’t get ahead,” the Prudential researchers report.

The researchers found that 38% of the single women said the most important factor was that, “I just don’t want to spend the effort needed to take action,” and 18% agreed that, “I’m so busy right now I can’t focus on long-term needs.”

About 26% of the women surveyed who are confident about their retirement planning expect to use a personal annuity or life insurance policy as a retirement funding vehicle, compared with 15% of the participants who are not confident about their retirement planning.

CORRECTION: In an earlier version of this article, the statement regarding survey participants being unable to get ahead was garbled.