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The close second in inducing sleepless nights (and tired days at the office) is retirement. (Photo: Shutterstock)

As if there weren’t enough things to worry about these days to make one lie awake at night staring at the ceiling and trying to count sheep, add retirement to the mix.

That’s according to a CreditCards.com poll, which finds that money woes in general are costing Americans plenty of shuteye, with 65 percent of them saying that the sheep just aren’t helping when it comes to money woes.

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