Women and younger people experience more stress over finances than Americans in general, according to research released Monday by the Certified Financial Planner Board of Standards Inc.

Overall, 86 percent of the 1,008 American adults surveyed say they feel stress when it comes to their finances, but 89 percent of women and 91 percent of people ages 18 to 44 report feeling stressed out by their money concerns, the CFP Board says. Seventy-eight percent of respondents age 65 or older reported financial stress.

Having a financial planner helps, according to 27 percent of the respondents, with 35 percent of younger people reporting the highest level of confidence in a planner.

At the same time, 22 percent of respondents want more knowledge in certain finance areas, 14 percent want more knowledge about their own finances, and 12 percent want more time to focus on their finances.

“Whether you are navigating the financial implications of living on your own for the first time or preparing to enter retirement, almost everyone––at every stage of life––experiences financial stress,” says Eleanor Blayney, CFP Board consumer advocate. “But as long as that financial stress does not paralyze us, it is not necessarily a bad thing. The resulting awareness should empower us to take control of our financial fate.”

According to CFP Board’s survey, while the majority of Americans experience some level of financial stress, the reasons and occasions for their stress vary, as well as the ways in which they manage it.

Debt (23 percent) and everyday expenses (21 percent) are the leading causes of financial stress, followed by health expenses (14 percent) and retirement (13 percent). Stress causes 48 percent of respondents to tighten their spending while it causes 34 percent to monitor their finances more frequently.