At least half the country is more worried about retirement thananything else.

That’s according to GOBankingRates’ 2015 Life+Money Survey,which found that planning for retirement topped the list offinancial worries in 25 states.

Respondents were offered a choice of seven different financialworries to choose from:

1. building an investment portfolio

2. paying for higher education

3. paying off credit cards

4. planning for retirement

5. saving for a home

6. saving up an emergency fund

7. sticking to a budget

While 20.1 percent chose #7, “sticking to a budget,” #4“planning for retirement” just barely missed first place at 19.8percent—and it topped the list in 25 states.

Okay, percentage-wise it doesn’t wash as half the country, butit’s significant that it’s the dominant issue in half thestates—even above the budget issue, which clocked in at ajust-slightly-higher level.

Neither the other 25 states nor the District of Columbia wereanywhere near as focused on a single financial worry.

Despite its high response percentage, “sticking to a budget”only dominated 19 states (actually, make that 16 if you throw outthe three states in which budgets tied with retirement as the topconcern—Arizona, Montana, and Wyoming).

Four states and the District of Columbia were most concernedwith paying for higher education (15.4 percent of respondents),while saving up an emergency fund worried 12.6 percent ofrespondents (although it only dominated in South Dakota).

Saving for a home was the main concern of 11.9 percent, thoughnot enough in any one state to dominate (surprising as that may bein California, New York, and New Jersey, where home prices arehigh).

And 11.8 percent focused on paying off credit cards; enough wereconcentrated in Alaska, Maine and New Hampshire to make that thedominant issue in each of those states.

Here are five intriguing things we saw in responses to theretirement planning issue:

1. It’s a guy thing.

Men view planning for retirement as a bigger challenge thanwomen, at 20 percent compared with 17 percent.

That’s kind of scary, since it’s actually a bigger problem forwomen than men—lower salaries, lower savings totals, longerlifespans, and fewer years in the workplace all conspire to makeretirement a difficult time for many women.

Yet men are more worried about it than they are; perhaps womenare too busy worrying about all those other factors to be able toworry that far ahead.

(Men were also more worried than women about building aninvestment portfolio, at 9 percent vs. 6 percent.)

Read: Women have to work harder to catch up inretirement saving than men

2. It’s big among older GenXers and younger babyboomers.

Respondents 34 and younger were far more concerned with otherissues—such as millennials’ focus on paying for education, andyounger GenXers’ attempts to save for a house or pay off creditcards.

Reponsdents 65 and older are most likely among the agegroups to see building an investment portfolio as their biggestchallenge.

That’s not to say that seniors aren’t concerned with retirement;they are.

While portfolio-building rated the highest priority of 13percent of seniors, double that number were worried about planningfor retirement, while 19 percent were worried about sticking to abudget, and 15 percent were worried about trying to build anemergency fund.

Read: Will Gen X create a new type ofretirement?

3. Boomers are nearly five times as likely to focus onplanning for retirement as millennials.

Millennials, logically enough, aren’t all that worried aboutretirement planning, compared with boomers on the verge, 34.1percent of whom say it’s their biggest financial challenge.

Instead, millennials are focused on saving for a home orfiguring out how to pay off higher education expenses.

The young folks are still thinking about it, though.

The fewest are among the young millennials, up to age 24, withjust 7 percent putting retirement worries before other concerns,and 13 percent of older millennials are worried about getting thathead start on retirement savings.

Read: To get millennial clients, get inside theirheads

4. High earners don’t seem all thatworried.

Those who earn more than $100,000 are far more focused onbuilding an investment portfolio (21 percent), and thoseearning between $100,000–$149,999 are paying for higher education(21 percent).

But it’s still on the radar screen, no matter the incomelevel.

The lowest level of worry comes, unsurprisingly, from thehighest-income group, at 15 percent. But not all that muchseparates them, worry-wise, from other income groups.

Who has retirement at the top of their radar screens?

• 17 percent of those earning between $100,000–$149,999

• 16 percent of those earning between $75,000–$99,999

• 22 percent of those earning between $50,000–$74,999

• 20 percent of those earning between $25,000–$49,999

• 17 percent of those earning $0–$24,999

Read: Frugality of high earnerslingers

5. Geography has little effect—worriers areeverywhere.

Those most worried about retirement planning are literallyalmost all over the map.

With the exception of a single state in the Pacific Northwest,most of the 25 states dominated by that concern are concentrated inthe Northeast, South and Midwest: a grouping from Canada around theGreat Lakes on down to Louisiana

And of course they’re not the only ones to worry about planningfor retirement.

Read: 10 best U.S. places toretire