Everybody's under stress about their finances — infact, we're all stressed at the highest level in five years,according to consulting firm PwC's 2016 Employee Financial Wellness Survey.

But, depending on the monetary challenges they face, people aremost worried about different things.

A new survey from GOBankingRates.com sought to uncover the top causesof financial stress across the country,and found seven money issues about whichpeople are really worried.

How those seven issues ranked varied, depending on where peoplelive — and also depending on respondents' age and otherdemographics.

More than 7,000 respondents were asked to choose their topfinancial stress from among the following seven causes: paying offdebt (i.e. credit cards); not being able to retire; not havingenough money to fund an emergency; wanting a nicer lifestyle;paying for education; lack of stable income; or paying mortgage orrent.

Here's a look at how things shake out across the country withthe seven top financial stressors:

7. Paying mortgage orrent

With 9.4% of respondents citing this as their top cause offinancial stress, Vermonters chose this in a tie with not beingable to retire and paying for education.

Residents of the state may find it difficult to choose amongfinancial stressors because the cost of living in Vermont is one ofthe highest in the country.

That makes it tough to pay for everything — particularly suchhigh-ticket items as mortgages, tuition and retirement expenses —for which people don't save enough anyway.

6. Lack of stableincome

Chosen as the top financial stressor by 11.7% of respondents,this was tied for first place in Rhode Island with paying off debt— something that's hard to do in states with a high unemploymentrate.

In Georgia, this ran a close second to paying off debt.

With the rise of the gig economy, a stable income is becomingmore and more challenging to sustain — an unfortunate trend thatappears likely to continue.

5. Paying foreducation

This was the top choice of 13.1% of respondents, with adultsaged 18-24 years putting it at the top of their list.

It was also the leading cause of financial stress in Hawaii, ofall places, despite the fact that College Board data doesn't findin-state costs for the state's public four-year college to be amongthe most expensive in the country.

Idaho also chose this as its top financial stressor, even thoughits tuition costs are even lower than Hawaii's — but then, so isits median income, which can make paying for anything achallenge.

4. Wanting a nicerlifestyle

Coming in at 14%, wanting a nicer lifestyle was the top choiceof two places as their No. 1 cause of financial stress.

Predictably, the first is Washington, D.C., which has thesecond-highest cost of living in the nation. The other is Delaware,where it tied with “not being able to retire” for firstplace.

3. Not having enoughmoney to fund an emergency

This was not only the third most common choice, tiedpercentage-wise with the second largest financial stressor at15.6%, it was the top worry for those 65 years old and older: thedemographic most likely to encounter major medical costs duringretirement.

It was also the top financial stressor in low median incomestates such as Mississippi, Arkansas, South Dakota andOklahoma.

2. Not being able toretire

This worry was the second-greatest financial stressor overall,with 15.6% of respondents choosing it as their main worry — and, asmight be expected, it was the top concern of adults aged 45-64.

This was the top fear of New Jerseyans and Iowans, whileVermonters chose this in a three-way tie with paying for educationand paying mortgage or rent as their top stressor, it tied inDelaware for the top spot with wanting a nicer lifestyle and inMassachusetts with paying for education.

It tied for second place in Montana with not having enough foran emergency — and what's surprising is that more people in morestates didn't choose it, considering how many people have savedlittle or nothing toward the day when they'll leave the workplacefor good.

1. Paying offdebt

From Alaska to Wyoming, this was the overall top answer, with20.6% choosing it as their chief financial stressor. It was alsothe top choice of both sexes.

In fact, it was the top choice of people in 32 states, and tiedfor the top in Rhode Island (with lack of stable income), Maine(with not being able to retire) and New Hampshire (tied with nothaving enough money to fund an emergency).

In Florida, although people have smaller total debt balances percapita, the Federal Reserve Bank of New York found that they owemore on credit cards and auto loans per capita than the rest of thecountry. In Texas, according to the New York Fed, people owe moreon auto loans than they do on student loans — per capita.