"24 percent of Americans said short-term savings, such as for a vacation or household appliances, is their first priority when deciding how to allocate savings. That's three times the number (8 percent) who said contributing to an [IRA] is their first priority, and in parity with the number (25 percent) who said they would prioritize contributing to an employer-sponsored retirement plan, such as a 401(k) or 403(b) plan.... [A] significantly low number of respondents (only 18 percent) report that they are currently contributing to an IRA. Another 14 percent say they have an IRA, but they are not currently contributing anything to it.... Of those Americans who do not currently have an IRA, 56 percent of Americans said they would consider an IRA as part of their retirement strategy, an increase from 47 percent in 2014." [Executive summary also available (PDF).]