Although Americans are more worried than ever about how they’ll manage tosave enough for retirement, they’re apparently moreupbeat about their overall financial situation.

That’s according to new research from Hearts & Wallets, which found thatnationally, investors are actually feeling betterabout the U.S. economy, inflation and retirement as compared to2015.

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As total household investable assets and retirement asset growthare failing to grow this year, ever, despite growing in years past,consumers are more focused on building an emergency fund. That lackof growth in household assets is also driving consumers to takemore risks with market volatility in the pursuit of gains in alow-interest-rate environment with 27 percent overall chasingreturns despite volatility; that’s up from 22 percent in 2015.

Younger investors in particular are taking more investment risksthan they have since 2010, with nearly a third being comfortablewith volatility. Retirees, however, aren’t taking any chances. Andwhile nearly all respondents said they wish they were saving more,optimism is by far not the only emotion they’re experiencing; infact, 35 percent of younger Americans now say they’re experiencinghigh or moderate anxiety. That’s up from 27 percent in 2014.

Less than a third of those saving for retirement believe they’reon track to achieve their goals — and that’s down 7 percent fromtwo years ago. The decrease was across all age levels, with thebiggest decrease, as might be expected, among those closest toretirement. In that group, which Hearts & Wallets termed “latecareers” — those aged 53-64 — optimism about their retirementsavings fell 5 points in a single year.

And 31 percent saving for retirement are unsure how they willfund their retirement, especially households with less than$100,000 in investable assets.

In addition, consumers looking to find retirement income arebecoming more open to using resources offered by theiremployer-sponsored retirement savings plans. Those aged 40–52 arenow as receptive as younger consumers, with 45 percent agreeingthey would “use retirement planning resources provided through myemployer, or would if they were offered.”