Many U.S. consumers say they will try to take a serious approach to using the stimulus rebate checks they will get from the federal government.

Researchers at the Lincoln Retirement Institute, an arm of Lincoln National Corp., Philadelphia, commissioned a Web-based survey of 392 U.S. adults ages 18 to 54 in March.

About one-third of the participants said they will save the rebate money for a rainy day, and 17% said they will use the money for rent or mortgage payments.

About 20% of the participants said they will use the money to pay down high interest debt.

Only 16% percent of the participants said they will spend the money on consumer goods, entertainment or travel.

But only 3% of the survey participants said they will save the rebate money for retirement.