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More than half of U.S. investors say it is critical to be debt-free in retirement, while a third say it is important but not critical. Investors who haven't retired yet are more likely than retirees to say being out of debt is critical.

When asked about 13 job aspects, U.S. workers remain most satisfied with their physical safety on the job, relations with coworkers, flexibility of hours and job security.

On average, American nonretirees say they will retire at age 66, little changed in recent years. Those who are already retired did so on average at age 61.

Thirty-six percent of nonretired Americans expect Social Security to be a major source of their retirement funds, the high in Gallup's 15-year trend. More retirees, 59%, say they rely on Social Security as a major income source.

Twenty-six percent of investors in the U.S. are particularly well-positioned to benefit from the "snowball effect" of compound interest, saying that they started saving for their retirement before they turned 25.

Government and nongovernment employees are similarly satisfied with most aspects of their jobs, but government workers are much more likely to be satisfied with their retirement, health insurance and vacation benefits.

Thirty-seven percent of nonretired Americans say they expect to retire after age 65, similar to percentages for the past several years. Thirty-two percent plan to retire before 65 -- the first time this figure has topped 30% since 2009.

Four in 10 nonretirees say they have enough money to live comfortably now and expect to in retirement. While improved, it still lags pre-recession levels. Meanwhile, 30% say they are not comfortable now and will not be in retirement.

Americans continue to rank real estate as the best long-term investment, while stocks have gained in attractiveness and gold has waned.

Majorities of U.S. investors are taking each of eight actions that can contribute to financial health, but they are far more likely to be doing some than others.