Americans’ concerns and negative emotions about retirement are causing them to lose sleep, according to a survey by Ramsey Solutions, a financial education company. Results show 56% of Americans are losing sleep over retirement. Eight in 10 Americans who feel ashamed, guilty, or embarrassed about retirement lose sleep, while less than half of Americans who feel excited or confident about their future lose sleep.

This report is the third in a four-part series evaluating the state of retirement in America as revealed by a survey consisting of more than 1,000 US adults. This installment focuses on how Americans’ thoughts toward retirement affect their stress levels and sleep patterns.

Although saving for retirement leads to positive emotions like confidence, excitement, and optimism, it doesn’t guarantee a better night’s sleep. More than 60% of active savers lose sleep over retirement, compared to nearly 50% of non-savers. And although Gen Xers are more likely to actively save and spend time planning for retirement, half of them admit they are afraid of outliving their money.

“It’s concerning to see so many Americans losing sleep over retirement, even those who save,” says Chris Hogan, financial expert, number one national best-selling author, and spokesperson for Ramsey Solutions, in a release. “Most people assume saving will eliminate money stress, but what people need is an understanding of how much money they need to live on during their retirement years. Having this knowledge allows people to have a clear path to their retirement goals and reduce their stress surrounding retirement.”