Many Americans’ personal finance decisions are haunting them now, a Bankrate survey found.

The online survey of 3,684 U.S. adults found that 74 percent have financial regrets. The most common regrets were not saving enough for retirement early (21 percent), taking on too much credit card debt (15 percent) and not saving enough for emergency expenses (14 percent).

Regrets about saving for retirement are most prevalent among older Americans. Thirty-four percent of baby boomers (ages 59-77, according to the survey) regret not saving for retirement early enough, compared to 26 percent of Gen-Xers (ages 43-58), 11 percent of millennials (ages 27-42) and 5 percent of Gen-Zers (ages 18-26).

While 48 percent say that their stress level stemming from their top financial regret has increased at least somewhat since June 2022, that stress is more common among younger Americans. Sixty percent of Gen-Zers, 57 percent of millennials and 45 percent of Gen-Xers reported increased stress over their financial regrets since June 2022, as opposed to 38 percent of baby boomers.

Overall, 20 percent all respondents reported not having any financial regrets at all.

“Despite rising debt levels and higher interest rates, regrets over lack of savings continue to outpace regrets related to debt, with more Americans saying their top financial regret was either not saving for retirement early enough, not saving enough for emergencies or not saving enough for a child’s education than those regretting taking on too much credit card debt, student loan debt or buying more house than they can afford,” said Bankrate Chief Financial Analyst Greg McBride.

Attend the Best Individual Income Tax Update Course by Surgent Webcast on Aug. 24, which will focus, in part, on retirement planning.