Members of Generation X and Generation Y are more focused on immediate items such as paying bills than on longer-term issues such as retirement or investing, the Employee Benefits Research Institute finds.

EBRI’s survey of Americans ages 19-39 found 2%, identified paying bills, making ends meet and debt as their biggest concerns. Other concerns were unemployment, job loss or career (13%); lack of savings, having enough for an emergency or for future (12%); having enough to support myself or family (11%); and retirement (11%).

The survey, “Preparing For Their Future: A Look at the Financial State of Gen X and Gen Y,” was conducted among 1,752 individuals aged 19-39.