If you’re tossing and turning over financial woes at night, you're not alone.

62% of Americans lose sleep over financial problems including worrying about how to pay for retirement and education, a new survey from CreditCards.com shows.

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The results showed that the most common money worry was the cost of retirement — with Americans between the ages of 50 and 64 saying they’re the most concerned about retirement costs. CreditCards.com teamed up with Princeton Survey Research Associates International to compile the data by conducting telephone interviews with 1,000 Americans.

But for millennials’ financial nightmares are focused on how to pay for school, which was the only financial worry included in the survey to actually get worse since the recession. But that statistic shouldn’t be surprising — after all, the national student loan debt is close to a staggering $1.4 trillion.

“Retirement is the biggest worry, but worries about education expenses are growing,” Matt Schultz, a senior industry analyst at CreditCards.com, told Mashable. “At this rate, paying for school could soon be America’s biggest worry.”

The survey shows that the nation is not quite back to pre-recession numbers: 56% in 2007.

Though a majority of Americans are losing sleep over their finances, the numbers are getting better.

The same survey found 69% of Americans weren’t sleeping soundly at the height of the recession in 2009.

And getting back to those numbers, according to Schultz, will largely rely on millennials.

“They’ve come of age in the worst economy since the great depression, a horrible job market,” Schultz said. “The question is still out there whether this will shape their views permanently or if their views will evolve as the economy gets better. And that’s still the great unknown in all of this.”

One financial concern that’s still a wildcard for millennials is credit cards. Credit card debt caused the least sleep loss out of any of the financial worries included in the survey — perhaps, in part, because millennials are increasingly less likely to own their own cards. Though Schultz says it's unclear whether millennials will continue to avoid Visa and AmEx as the economy gets better.

But one group of Americans, according to the survey, is having sweet dreams.

The wealthy were more likely to get a good night’s sleep, which probably can’t only be attributed to 1500-thread-count Egyptian-cotton sheets.

“They say money can’t buy you love or happiness, but it can apparently buy you a better night’s sleep,” Schultz said.