Most employees said that they are not saving enough money for retirement, according to a new survey by Harris Interactive on behalf of Principal Financial Group Inc., Des Moines, Iowa.

Of the 1,133 employees surveyed, 51% said that not saving enough money is hindering their financial success, while contributing factors were credit card and other consumer debt, cited by 35%, and not starting retirement savings early in their career, mentioned by 33%.

The survey also found that 22% of employees indicated that impulse purchases have impeded their financial success, while 20% blamed living beyond one’s means.

Among 501 retirees surveyed, 31% said that not starting retirement savings early in their careers has hindered their ability to achieve retirement goals, while 38% said not saving enough money impeded their personal financial success.

Employees and retirees said that the steps they have taken to improve or rebuild their financial well being since the recession began in 2008 include spending less money, paying down debt and increasing savings for an emergency fund, according to the survey.

The survey also found that one out of every five employees said that they have increased their retirement savings.

Employees’ top priorities for rebuilding their financial well being include living within their means, having an emergency fund, and sticking to a budget, the survey found.

Employees surveyed consisted of adults age 18 and older who work at businesses with anywhere from 10 to 1,000 employees.