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Popular opinion portrays Generation Xers as slackers concernedonly with cappuccinos and CDs, but two recent studies paint a verydifferent picture of young adults.

In a recent poll conducted by research firm Louis HarrisOrganization for the Lutheran Brotherhood, about 50 percent of the18-to-29-year-olds questioned said they "sometimes" or"always" have trouble sleeping or relaxing because offinancial worries. Saving for retirement (cited by 59 percent) wastheir number-one worry, followed by a fear of not being able toafford long-term care (21 percent).

"Their concern about saving for retirement suggests thatthe confusion and uncertainty about Social Security has impactedthem," says Todd Gillingham at the Lutheran Brotherhood, whichoffers life and health insurance, annuities and other financialproducts and services.