Americans have a lot of financial regrets—in fact, 75 percentare sorry they didn’t do better with their money.

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But unsurprisingly enough, the older they get, the more thebiggest of those regrets is not saving enough for retirement.

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According to a new Bankrate study, not saving for retirement earlyenough was at the top of the list for people 30 years old andup—but the older they were, the more of them regretted it.

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Read: Top 5 industries for 401(k)plans

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Seventeen percent of those aged 30–49 had this regret, but amongthose 50–64, that rose to 24 percent; among senior citizens, 27percent wished they’d started saving for retirement earlier.

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Read: Millennials, the stock market, andBernie

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The Bankrate.com Financial Security Index actually reached itshighest reading since February 2015, and second-highest readingever, 104.7, but that doesn’t mean people are completely happy withwhere they are financially. In fact, their comfort level with howmuch they’ve managed to save has actually fallen over the pastyear.

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But 31 percent say their net worth is higher now than it was ayear ago, compared with 13 percent who say it’s lower.

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Still, plenty of respondents have regrets, even if they’re notstrictly about retirement savings. Nine percent are sorry they tookon so much credit card debt; 8 percent regret not saving enough fortheir kids’ education and 9 percent are regretting those bigstudent loan balances. Also unsurprising is the fact that regretsabout student loan debt are dominated by millennials, with 24percent of adults under the age of 30 naming it as their biggestfinancial regret.

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Emergency savings—or, rather, the lack thereof—are also a bigregret, with the lack of an emergency fund the biggest regret for13 percent of respondents and the second biggest regret overall inthe study. Interestingly, the two groups who feel it most aremillennials—those under 30—at 21 percent and those between the agesof 50–64, at 13 percent.

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