LAS VEGAS (Reuters Life!) – People just starting to consider retirement are less optimistic about their ability to stop working than older people, according to a new poll.

The survey commissioned by homebuilder Pulte Homes Inc showed that 41 percent of people who turn 50 this year say they will never be financially capable of retiring and 23 percent have not even started to save.

The poll, which was released at a trade show this week, compared attitudes about retirement among older and younger baby boomers — people born between 1946 and 1964.

There are 78 million baby boomers in the United States. Between 30 percent and 40 percent of younger boomers still plan to move when they retire, despite financial worries, according to the survey.

Of those planning to move, about 50 percent plan to move to a different state and about 25 percent plan to move to a different city.

Still, the study reveals deep financial concerns among potential home buyers who are turning 50 in 2010. Even those who plan to retire say they will do so later, at a median age of 67 compared with 63 for the older survey respondents.

The older group surveyed is more optimistic about its retirement prospects, however. Only 15 percent say they will never be able to retire. Also, about a third of the older baby boomers say they will be financially prepared for retirement, while only 16 percent of the younger group say they feel that way.

HarrisInteractive conducted the online survey, consisting of a representative sample of 504 people turning 50 and 510 turning 64 with a sampling error of plus or minus 4.4 percentage points, in late 2009.