Financial stress is one of the biggest concerns Americans focus on in their daily lives. At least 79% of working Americans reported serious concerns in their lives based around their finances, while the remaining 21% say they are confident planners about their current behavior and future prospects, according to a new study by The Guardian Life Insurance Company of America.

Matthew Bryan, assistant vice president at Guardian, says that they looked behaviors rather than demographics to ascertain emotional and financial confidence of Americans.

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