It's supposed to be a fun, scary time of year—we all get that. Ghosties, ghoulies, things that go bump in the night—all covered. But, of course, there are some things you just can't hide from. Like money worries. WalletHub, being the prescient entity that it is, knows this, and decided to ask people what their biggest fears are when it comes to finance.

What's scary about it is how many said their finances were a "horror show"—78 million Americans—but it's not as if they're not trying to do something about it.

But even though 85 percent say they intend to spend less this Halloween, that alone won't dismiss their fears about their own finances, the economy, and all the other things that keep them up at night.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.