An overwhelming majority of Americans say nothing makes them happier or more confident than the feeling that their finances are in order—yet the majority of people many don’t feel their finances are. Those are the findings of Northwestern Mutual’s 2019 “Planning & Progress Study.”

For the past decade, the annual study has examined U.S. adults’ attitudes and behaviors toward money and its impact on long-term financial security. The Harris Poll performed this year’s study, conducting an online survey of 2,003 adults, aged 18 and older, between February 20 and March 5, 2019.

The vast majority of respondents (92%) said nothing made them happier or made them feel more confident than having their finances in order. But six in 10 said their financial planning needed improvement.

An increased number of respondents participating in the 2019 study said they were either disciplined or highly disciplined planners (59%), while only 49% said the same thing in 2018 (49%). However, the study found that despite some small improvements, a gap still existed between intent and action when it comes to financial planning.

Last year, one-third of respondents said they had not spoken to anyone about financial planning (34%). Approximately the same percentage of respondents said the same thing again this year (30%), even though nearly half (48%) said they had difficulty knowing how much they could afford to spend now and how much they needed to save for later.

Only one in three Americans (31%) reported working with an advisor, but two-thirds of those that did (71%) reported greater security and clarity as a result. A majority of the respondents who said they worked with a financial planner also said they were able to set financial goals (81%) and more easily achieve them as a result (68%).

Tim Gerend, Northwestern Mutual executive vice president and head of career distribution, said he viewed the study’s findings as something of a classic disconnect between theory and practice, but saw hope in them as well, according to a news release.

“Some progress has been made year over year,” he said. “Hopefully, that’s a trend that not only continues, but accelerates.”

Founded in 1857, Northwestern Mutual is a financial services mutual organization headquartered in Milwaukee.