Financial fears weigh heavily on Americans today.

Rather than spending time thinking about health and fitness, work or relationships, a survey from GoBanlingRates.com has found that Americans spend much of their time thinking about money.

Other standout findings from the survey include:

• One in five people say their biggest money challenge is sticking to a budget.
• Always living paycheck to paycheck is the No. 1 financial fear of Americans today, followed by living in debt forever.
• 20% of Americans say planning for retirement is their primary financial focus.

“We want to help Americans understand how to process their financial concerns and prioritize goals, especially as it relates to their various life stages,” said Casey Bond, editor-in-chief of GOBankingRates.com. “Our studies show younger generations think differently about money and debt than their parents and grandparents, but the common theme is all types of people need some level of assistance with financial planning. This data offers insights for men and women of all ages that can help them change how they think about money for the better.”

Millennials Versus Boomers

• While older Millennials’ (25-34) No. 1 daily thought is money, younger Millennials (18-24) ponder most about their love lives, and boomers think most about work.
• Planning for retirement is five times more challenging for baby boomers than it is for young Millennials (34% versus 7%).
• Baby boomers are almost three times more afraid of never being able to retire than young Millennials (24% versus 9%) and twice as likely to be afraid of having their identity stolen.
• Young Millennials are twice as afraid of always living paycheck to paycheck as baby boomers.

Men Versus Women

• Women’s No. 1 thought is money more often than men.
• Men are more afraid than women of losing money in the stock market, losing their jobs and not being able to retire.
• Women are more fearful of always living paycheck to paycheck than men (25% versus 18%).
• Planning for retirement is more of a financial challenge for men than it is for women (20% versus 17%).