millennial couple facetiming on computer with boomer parents (Photo: Shutterstock)

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No matter how good the economy seems, people are stressed about money—and millennials arealready stressing about how, and even whether, they'll be able toretire.

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That's among the findings of a survey from the NationalAssociation of Financial Planners that also revealed that 45percent of Americans say their current relationship with moneyitself is stressful. That number is even higher amongmillennials, half of whom say their relationship with money isstressful.

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A third of millennials don't think they'll ever be able toretire, and a third regret the money they spent on college—nosurprise, really, considering that student debt in the U.S. tops$1.5 trillion.

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But one worry that hasn't gotten a lot of ink is the fear ofhaving to support one's parents—something 37 percent of millennialsdread.

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Of course, millennials aren't the only ones who are frettingabout retirement; according to the survey. Overall, 34 percent ofrespondents say they expect their finances to "stress them out"later in life, while only 26 percent expect to have "just enough toget by without working" once they retire.

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And 22 percent feel they won't be able to enjoy their goldenyears because of money problems.

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That's not to say they aren't looking forward—at least inpart—to retirement, since 36 percent of respondents associate"retirement" with the word "dream"; 36 percent connect it with"joy"; and an optimistic 31 percent associate it with"reality."

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But more than half of respondents haven't figured out theiroptions for retiring.

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Regardless of generation, respondents have some consistent goalsfor their money, such as planning for retirement (61 percent),achieving greater savings (52 percent), and paying off debts (50percent).

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The differences between the generations—driven by age andproximity to retirement—can be seen in regard to particulars, suchas that worry of millennials that they might have to foot the billfor their parents.

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Marlene Satter

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