According to a new study from creditcards.com, Americans are more stressed than ever and unfortunately money is one of the biggest problems.

The study found that 65% of Americans are losing sleep over money. The most common stressor is health care or insurance bills at 38%, followed by saving for retirement at 37%.

Education and mortgage are the next big reasons for insomnia with 34% worrying over educational expenses, 26% about mortgage bills, and 22% due to credit-card debt.

Millennials are the most affected, admitting that student loan payments leave 3 out of every 4 millennials losing sleep over their current financial situation. 

What's the first step to try and help you sleep at night despite money problems? Check out some tips: