Only 51 percent of Americans believe they will have enough money to enjoy a comfortable retirement.

Country Financial’s Security Index dropped one point to 63.7 in June, in part because confidence in retirement reached an all-time low.

“With the slow-to-recovery economy, rising food and gas prices and discussions over government entitlement programs, concern over retirement is understandable,” said Country Financial vice president of financial security planning Keith Brannan. “If you’re feeling uncertain, reassess any long-term financial plans and identify potential cracks in your retirement nest egg.”

Just 45 percent of Americans were able to set aside money for savings and investments, down three points from April. There was a two-point drop in those who say their families would live comfortably if they died or became disabled. Thirty-seven percent rated their overall level of financial security positively this month, a one-point decrease.

Women are more confident than men in nearly all aspects of their financial security for the first time in the four-year history of the Country Index. Fifty-three percent of women say they are confident they will be able to enjoy a comfortable retirement. That is four points higher than men. Seventy-eight percent of women are confident in their ability to pay debts as they come due. In comparison, 75 percent of men say the same.