Retirement saving is not a high priority in 2012, with many competing financial pressures taking precedence, according to PwC's Financial Wellness Survey. The survey tracks the financial and retirement well-being of working American adults. The 2012 survey polled 1,700 full-time or self-employed adults.

What it found is that employee stress levels related to financial issues are on the rise and cash flow continues to be the top financial concern of most workers.

It also found that meeting expenses on time and debt issues remain a challenge for 2012.

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