NORTHBROOK, Ill. – Credit unions can forget the stereotype of Generation Xers as undisciplined slackers who are too busy having fun today to worry about saving for tomorrow. According to Allstate's third annual Retirement Reality Check survey, it turns out that Gen-Xers are almost on par with Baby Boomers when it comes to planning ahead. The survey finds that some 30% of Generation X respondents said they are "on track" to reach their retirement financial goals despite the fact that their retirement is decades away. Among Baby Boomers, 35% surveyed said they are "on track." In addition, about half of each group surveyed (52% of Baby Boomers and 41% of Gen-Xers) said they are currently saving for retirement, but probably not as much as they need. In total the survey finds that 87% of Baby Boomers and 71% of Gen-Xers are actively saving for retirement. "Learning that Gen-Xers already are saving for retirement may surprise many people, but it shouldn't," said Ann Fishman, president of Generational-Targeted Marketing Corp., a New Orleans-based consulting firm that focuses on generational differences. Fishman is consulting with Allstate to interpret Retirement Reality Check survey findings. "This strong retirement savings initiative is just one reflection of the kind of discipline and self-reliance that Gen-Xers have shown from the beginning." Other findings include some 13% of Gen-Xers responding that they expect to retire between ages 45 and 54, versus 6% of Baby Boomers. According to Fishman since Gen-X doesn't plan on a lavish retirement, they don't need to work as long to achieve their goals. The Allstate survey defines Generation X as those age 24 to 37.