A new report from CreditCards.com says 68 percent of women and 56 percent of men are losing sleep over money, a gap that grew 8 percent over the past year.

Overall, about 6 of every 10 Americans are losing sleep over at least one financial issue. However, it is often not just a single money problem that is keeping people awake at night.

CreditCards.com asked about five specific financial issues – saving for retirement, paying for education, paying health care or insurance bills, paying the monthly rent or mortgage, and paying credit card debt. The average person who is losing sleep said 2.3 of the above issues were combining to keep them awake.

“There doesn’t seem to be much middle ground when it comes to Americans’ financial worries,” said Matt Schulz, CreditCards.com’s senior industry analyst. “Many folks have none at all, but many of us are worried about several different problems all at once.”

Both genders -- 44% of women and 35% of men -- are most concerned about saving enough money for retirement. Saving for retirement is also the most common worry for people age 30 and older, college graduates and those with annual household income of $75,000 or more.

Other results of the study include:

-- Affording educational expenses is the number one concern for millennials and non-whites.

-- Paying for healthcare or insurance bills is the second-biggest fear among women; educational expenses rank second among men.

-- Money anxiety peaks between the ages of 50 and 64 and drops sharply after 65.

-- The biggest improvement was observed among households making between $50,000 and $74,999 per year. They’re 14 percentage points less likely to lose sleep over financial matters now than they were in 2015.

American adults losing sleep because of:

-- Saving enough money for retirement: 39%

-- The ability to pay for educational expenses for yourself or a family member: 30%

-- Healthcare or insurance bills: 29%

-- The ability to pay your mortgage or monthly rent bill: 26%

-- The ability to pay your credit card debt: 22%

“The fact that credit card debt is the least of people’s worries seems like a positive sign,” Schulz said. “It seems to indicate that despite balances continuing to rise after the Great Recession, most Americans feel they have their card debt well under control.”