PhotoWhat keeps you awake at night? If you're a woman, it's probably money. If you're a man, it's probably something else.

That's one of the nuggets in a report on money management. It cited a survey showing money worries are a big preoccupation but more so for women than men. Sixty-eight percent of women reported losing sleep over money, but only 56% of men had the same problem.

What kind of money worries? You name it. Both men and women said they worry about saving for retirement, paying for college, meeting healthcare expenses, paying the rent or mortgage, and dealing with credit card debt.

On average, both male and female consumers estimate at least two of these money worries regularly rob them of a good night's sleep.

Little middle ground

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

The biggest money worry troubling both men and women is retirement savings. Consumers as young as 30 report this is of special concern. It's most common for college graduates and consumers with household incomes of $75,000 or more.

Paying for college or student loans is the number one money worry for millennials and minorities of all ages. Paying medical expenses and insurance costs rank second among women.

Seniors sleep like a baby

Not surprisingly, the money-induced insomnia peaks between age 50 and 64. After age 65, you don't worry about it so much.

Strangely, the bills consumers tend to worry about the least are their credit card debts. That could be because credit card debt tends to be the most flexible. If a consumer runs short one month, he or she can simply make the minimum payment.

Whatever the reason, Shultz sees it as a positive sign.

"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," he said.

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