By STAN CHOENEW YORK (AP) — The American dream of a blissful retirement, free of financial worries, is dying. Most U.S. households are heading for a worse lifestyle in retirement than they had while they were working, because they simply aren't saving enough, experts say. Thirty-five percent of households in their prime earning years or later have nothing saved in a retirement account and no access to a traditional pension, according to an AP analysis of savings data from the Federal Reserve. Among households that do have some savings, the typical amount is just $73,200. That's about 15 months of the median household's income. ___ EDITOR'S NOTE — This is part of Divided America, AP's ongoing exploration of the economic, social and political divisions in American society. ___ One group doesn't have to worry as much: the richest 10 percent of households. They typically have more than $413,000 in a retirement account, according to the analysis of the Fed's latest savings data, which is from 2013. The rest of us look a lot more like Nancy Harvey, a 54-year-old child-care center owner in Oakland, California, who has less than $2,000 saved despite her decades of work. Her plan for retirement, as of now, is to continue with real-estate classes in hopes that it can provide a second job. "I have to work and pray and hope my health continues to remain good so that I can continue to work," she says. "I still have a mortgage and all the insurance that goes along with that, and I have to pay payroll for my employees, which is really important to me. I can honestly say I'm frightened about the future." Harvey isn't alone, as the gap widens between the few households who don't have to worry about a comfortable retirement and everyone else. The anxiety stretches not only across the country but also across political affiliations. Nearly equivalent percentages of Democrats and Republicans say they're not managing very well in retirement planning, a recent survey from Lincoln Financial found.