Among working Americans making at least $30,000 a year, paying bills and reducing debt are greater concerns than saving for retirement, a “Financial Wellness” survey of 1,610 adults by PwC found.

Twenty-five percent are worried about not having money saved for an emergency, 20% are concerned about not being able to pay monthly expenses, and 18% are worried they won’t be able to retire when they want. These concerns are followed by not being able to keep up with debt (13%) and being laid off from work (11%).

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